davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Back in and around XXXX XXXX my account was error or frozen of currency that I only received around XXXX amount of it and I tried and fix the problems and I was inform there was a heck of glitch.
Consumer complaint received 2021-08-09
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)

XXXX XXXX XXXX XXXX XXXX. 
XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXXXXXX Fraudulent Inquiries XXXX  Inquiry : XX/XX/2020This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please also send me an updated credit report reflecting these changes. Thank you.
Consumer complaint received 2021-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one auto finan # XXXX is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports. Ive sent them letters befor but did not get any response. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

As previously stated to Experian, I am a victim of identity theft. Experian responded that authorization is needed because I am a third party. 
I XXXX XXXX give Experian authorization to proceed with my complaint of identity theft. I am a person putting my on complaint in not a third party of company.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

Santander USA is reporting to the 3 major credit bureaus that I opened an account with the XX/XX/2013. They are claiming I had a balance of {$16000.00}. This information is FALSE!
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (NC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depos

ited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-09
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 contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (MD)

Shortly after my twins were born in XX/XX/2018, I took them to XXXX XXXX for a XXXX  appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to XXXX XXXX, who reported 2 claims for {$450.00} to XXXX  ( there was only ever 1 claim ). I disputed these claims with XXXX  and they were removed. Once removed from XXXX, XXXX XXXX then reported 2 claims for {$450.00} ( again only ever 1 claim ) to Experian. I disputed the claims with Experian. Experian has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has failed to thoroughly and openly investigate several misleading accounts listed below on my credit report. They have engaged in frivolous and nefarious activity in terms of re-investigating these accounts. I am hereby enlisting the help of the CFPB to hold them accountable and will be sending this complaint also to the FTC and my State Attorney General to resolve these matters expeditiously. I have sent TransUnion several challenge letters some of which I attached below. All my letters are in accordance with FCRA guidelines and provide proof to enable TransUnion remove these inaccurate accounts. Sometimes TransUnion vaguely " remarks '' some of these accounts without providing me with any actual proof of how they allegedly verified said accounts. This violates several federal laws and is willful violation of the FCRA. Any new or future remarks on any of these accounts will be taken as admission of wrong and liability. I have also sent several direct challenge and dispute letters to the creditors associated with these misleading accounts which I attached below. These creditors have refused to correspond directly or validate these alleged accounts and debts in accordance with the FDCPA. TransUnion continues to illegally collude and communicate with these creditors who are also all in violations of my cease-and-desist letters which I sent them directly.
Consumer complaint received 2021-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.
Consumer complaint received 2021-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.
Consumer complaint received 2021-08-09
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. (NJ)

It is a fact that I am a consumer. 
Inquiry from XX/XX/XXXX by XXXX XXXX is being reported on my consumer report by TransUnion. I have contacted credit reporting agency ( TransUnion ) of this matter on XX/XX/XXXX via telephone.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CT)

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

SANTANDER CONSUMER USA AND XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

The company LVNV Funding also Known as Resurgent Capital Services L.P. has been contacted several times for verification of the debt the claim I owe. I have sent several letters to try and resolve this alleged debt they claim I owe, and there has not been a resolution to this matter. Over the course of two years several letters that was sent to them had came back as undeliverable. A letter was sent out on XX/XX/2020 and was returned two weeks later as undeliverable. They are damaging my XXXX  credit report by incorrectly reporting I owe a debt in the amount of {$790.00}. There has never been any contractual agreement between myself and LVNV Funding. In addition, this alleged debt they claim I owe is past the statute of limitation in the State of New York.
Consumer complaint received 2021-08-03
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: Paramount GR Holdings, LLC (TX)

I did not open an account with loan pal, or good leap. 

They did not have the correct information of file to even contact me. 

I contacted them on XXXX, XXXX, XXXX trying to get this resolved, but was told theirs nothing they can do. 

I contacted them today, XXXX, XXXX, XXXX to get the contracts they said I signed E-Document, and I asked the gentlemen how do yall know I signed them. He stated we dont know who signs them! That was on a recorded line, and that was around XXXX to XXXX. He once again had the wrong contact information to contact me, and I have gave them the correct information on the XXXX, XXXX, XXXX 

The Truth in lending disclosure statement only has XXXX contact information, so how did I get sent or notified of anything to sign? 

I dont sign anything E-Document. 

Why would I co-sign a XXXX dollar loan for solar panel to a house I dont even own, or have any part of. 

Ive explained to loan pal/Good leap, that this is stopping me from getting my mortgage loan. 

Ive tried many times to have this resolved, with no help from the company. So I am now reaching out for more help to right this wrong.
Consumer complaint received 2021-08-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I XXXX XXXX XXXX entered into a consumer credit transaction with Capital One Auto Financing on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/XXXX Capital One Auto Financing sent me a bill which is a violation of 15usc 1692b.
Consumer complaint received 2024-08-16
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. (FL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2021-08-02
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. (TX)

My name, DOB, and social is being mixed with 2 other people. Ive called in to get the changes corrected however, I am unable to due to the mix up. I am being affected in my personal life, I can not get approved for a loan, apartment, or a vehicle due to these errors.
Consumer complaint received 2023-03-22
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. (GA)

I sent this letter off on XX/XX/2023, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I also have the tracking number stating that I mailed these letter disputes as well for someone to sign for. 

According to FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or with who may have knowledge concerning any such items of information. 

They stated these accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurately and according to the FCRA 15 USC 1681 everything has to be in order for the account to be considered 100 % accurate. 

Accounts listed here : XXXX XXXX XXXX XXXX {$1000.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$1200.00} opened XXXX XXXX XXXX XXXX XXXX {$870.00} opened XXXX XXXX XXXX XXXX XXXX {$820.00} opened XXXX
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

XXXX Wells Fargo banks in XXXX SC rolled on me. 
The XXXX XXXX gat me for {$200000.00} whch was a Wells Fargo check ... non cashier 's check I believe. The check was made out to me from a XXXX winner who donated the check to me out of benevolence... I was selected to win the donation thru an email ballot he had. 
The fundz were diverted by an unscrupulous bank employee at the XXXX XXXX n then she told me to try cashing it at a check cashing store after she alrd cashed the check leaving sequence nos. on the bk of the check. 

The othr branch in XXXX SC rolled on my substitute checks n image cash letters of the amnt of {$7200.00} roughly ... she told me to have a seat whl she verifies the checks n then in came a guy who left the bank with all {$7200.00} in an envelope in his hndz... the wad of cash was XXXX in the envelope n I saw this with my own I 's. This bank was predominantly XXXX n the guy who left with my cash was also XXXX n most likely someone she knew outsd the branch. 


So altogether I lssd {$200000.00} bc of Wells Fargo fraudulent activity within those XXXX branches ... the first time in XX/XX/2022 n the XXXX tme in XX/XX/2022.
Consumer complaint received 2021-08-09
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. (PA)

I requested a free credit report from trans union by mail ... My first experience was to go to their website where they hide information about CHARGING for a credit report in small print. They ask for a credit card and one can not proceed unless you submit one ... They charge your card monthly regardless of the the FREE report they are supposed to provide.. 
.. I contacted transunion who said they are permitted to charge credit cards and blamed me for not reading the tiny print and they refused to close the account and I was forced to file a dispute. I immediately contacted my Credit Card and disputed the charge, they then stopped charging my account ... HOWEVER they never gave me access to the credit information and they still refuse to do so. I requested a Credit report by mail and they sent the report refusing to give my Credit Score. The problem is transunion has given my credit score to several credit card companies who are sending me offers I signed up for the no call list but am still receiving these. I have verified that the other credit reporting agencies are not giving out this information This means transunion is giving out my credit score to others without my permission yet refusing to provide it to me without charging me for it. I want everyone to know that transunion is violating the no call list and that they have refused to provide a credit score. it is my understanding that they can not give out information and refuse to give me that information. This clearly would include giving out a score to credit card companies yet refusing to give me that score.. They have violated misusing my personal information as they are required to provide me with any information they give to others which absolutely includes a score they give out to others. The CFPB needs to stop both transunion forcing a credit card to get information and transunion charging accounts unknowingly. Also Transunion must be stopped from giving out information to Credit card companies that make offers via email and phone. A no call or contact list is supposed to be valid for 5 years and Transunion is violating personal privacy, and on top of that refusing to provide the public with the information they provide to others.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent of investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit/debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing NFCU services. 

I have since filed a case against XXXX too. Although NFCU has helped recovered the sum of {$1200.00} USD, I have yet to recover the rest money. I am yet to recover my hard-earned money in the sum of {$1700.00} USD. 

A pre-arbitration procedure should be conducted.