davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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: U.S. BANCORP (MO)

In XXXX of XXXX, my brother was moving to the XXXX XXXX for work and opened a checking account at US Bank located at XXXX XXXX XXXXXXXX XXXX XXXX  MO. XXXX. He asked me & his bookkeeper to sign a " signature card '' so if he had any straggler bills we could write a check and take care of it. We all went together & signed a signature card. He returned from the XXXX XXXX in late XXXX and opened a " line of credit '' in XX/XX/XXXX, account # XXXX. He defaulted on the " line of credit '' & it was reported to all the credit bureaus. When US Bank reported this to the credit bureau ( XXXX ), they listed me as a " co-signer ''. That is incorrect. I signed a " signature card '' which does not make me responsible for his " line of credit ''. Once I discovered this appeared on my credit report ( XXXX ), I went to the US Bank branch where the account was held & spoke with the manager. That was in XXXX or XXXX. She & another associate looked up the account & said they would get back to me in about a week. When I returned she said that she had spoken with corporate and that the best way for me to take care of this mistake was to file a dispute with all the credit bureaus. I've filed 3 disputes only to have US Bank state I was responsible. I have spoken with US Bank several times & they are limited in what they can say to me because they can't locate me in their system. Someone finally looked me up by my name & address & said that I was not connected to any accounts & their system shows that I do not owe them. They are not very helpful because I'm not attached to the " line of credit '' so they can not speak with me because I'm not on the account. It's extremely frustrating because they report this to the credit bureau ( XXXX ) but can not discuss the issue with me. If US Bank is going to hold me responsible for this line of credit, I would like a copy of the contract that I signed showing that I am responsible. My credit report shows the balance owed is {$5200.00}. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Contacted Experian credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both XXXX, and XXXX   were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and XXXX  XXXX  were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.
Consumer complaint received 2020-12-24
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-24
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. (TX)

XXXX credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. XXXX  CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed XXXX as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also XXXX  is lowering my score with each credit dispute. XXXX  MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : XXXX XXXX XXXX Date of Inquiries : XX/XX/XXXX * XXXX XXXX Date of Inquiries : XX/XX/XXXX and XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX * XXXX  XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX * XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Starting in early XX/XX/XXXX we became aware that PHH Mortgage Company was not paying our property taxes on one of our parcels. We have contacted PHH by  phone just about every week since XX/XX/XXXX. We continue up to today XX/XX/XXXX to no assistance from PHH. The taxes our included in the mortgage payment, but PHH refuses to follow instructions from the county clerk 's office, sends the wrong amount ( that are marked " Insufficient Funds '', includes the wrong parcel numbers and incorrect address. XXXX ID XXXX a manager at PHH and our main contact has refused to return our phone calls or communicate to us in any way. The parcel stated has been sold for delinquent taxes due to PHH mishandling. The original amount was {$1500.00}, but since it has not been paid by PHH it is now up to {$1700.00} and will increase again in XX/XX/XXXX for additional fines and penalties. Back on XX/XX/XXXX PHH sent two checks in the amount {$750.00} each. PHH has been given by us and the clerk 's office specific instructions on how to send and what to send. The two checks were returned to PHH on XX/XX/XXXX for wrong PIN number, ISF, incorrect check type and this has happened three times now. We have until the year XXXX to redeem the back taxes to keep our property. PHH has stopped all communications to us and has sent threatening letters stating they will start charging us a {$50.00} for some unknown reason and a {$17.00} fee for processing, processing what?
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This address XXXX XXXX XXXX XXXX GA XXXX is not mines I have never stayed in XXXX Ga in my entire life. my social does not end in XXXX please remove both or i will be forced to file legal actions. These are not associated with me I have already provided company with a ftc report and copy of my social.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 2020-12-24
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: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-24
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. XXXX XXXX XXXX, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had an a transaction that came through in error by XXXX  XXXX XXXX. My card was locked at the time and Bank of America allowed access to my funds and charged me an overdraft fee for funds not being available. I filed a claim to recover the funds the merchant sent a email stating the funds should be credited back on XX/XX/2020. This process was suppose to take 3-5 business days. At this time I still do not have the funds. I contacted XXXX XXXX XXXX back and they said its been processed on their end. Bank of America claims to still not have them. They have refused to give any credit even though I am a 17 year customer. I am requesting that an investigation be conducted as to why they were allowed to unlock my card and allow this transaction to be processed and access a fee. The XXXX XXXX XXXX account is in my wifes name XXXX XXXX.
Consumer complaint received 2024-03-18
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
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)

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violate my rights.

15 USC 1681 Sec. 602, states I have the right to privacy.

15 USC 1681 Sec. 6-4a Section 2 , It 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 pm am account under an open and consumer credit plan as late for a purpose.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax froze my account without authorization, or request for a lock or freeze. Then when I call them to get fixed, they want me to share so much information on an open cellular line that anybody could get a new credit card in my name. Literally even my Full SS, DOB, and too much other info. It's the opposite of security. 
It would be pathetic if it wasn't so wrong.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Hello CFPB, I opened a Bank of America checking account on XX/XX/XXXX via an advertisement that I received by email from them. The email advertised that I would receive a {$300.00} bonus after completing 3 requirements within 90 days of account opening. The final requirement was completed on XX/XX/XXXX, exactly XXXX  days after account opening. It has been nearly 2 years and the bonus has still not posted. I sent Bank of America a letter on XX/XX/XXXX describing the situation and provided statements showing I met the completed requirements as well as a copy of the email promotion. I received a reply via letter that a promotional code was never supplied during account opening and therefore the promotion would not be honored. But the email advertisement did not mention a promotional code and I applied directly through the link in the email. I have attached all relevant documents for this complaint and hope that you could please help me with this issue. Thank you! 

Kind Regards, XXXX XXXX
Consumer complaint received 2020-12-24
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is refusing to work with our bank XX/XX/XXXX XXXX and cooperate with a ongoing investigation were fraud was committed against myself and my husband on XX/XX/2020 I closed out are Wells Fargo accounts on XX/XX/2020 someone called my husband phone number stating they were a Wells Fargo employee they new are account number and said they needed to process a payment for our time share my husband had forgotten I closed the accounts on XX/XX/2020 my husband made out a check payable to Wells Fargo with our account to be deposited to our account, but it was closed someone deposited that check into there Wells Fargo account Wells Fargo authorized the transaction knowing are account was closed my bankXX/XX/XXXXtold us to take documents to Wells Fargo to be notarized for a fraud case the branch manager XXXX XXXX @ the XXXX location refused to help us
Consumer complaint received 2022-12-24
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)

In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.
Consumer complaint received 2020-01-17
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 — Problem with personal statement of dispute
Company: HW Holding, Inc (TX)

I moved into the house and made my report of everything that needed. The realtor guaranteed that everything would be fixed within 30 days. The house was unsafe with tiles broken that cut my foot walking across it, the stairs were completely broken and my mother almost fell off due to it. The realtor sent a guy out and all he did was dig a brick out of my yard and put it under the stairs to try and prop it up and the problem wasnt solved as as soon as I stepped on the stairs it feel apart again. After that the problem was never addressed again. I made multiple reports and had many conversations with these problems with no response to fix the problem. They did come to fix the tile bye adding grout but that came out within a few weeks and the problem returned. I also reported that there were holes and gaps in the flooring and rats and snakes got into the house. They didnt fix it either. So after 4-5 months of this I had no choice but to move out as it was completely unsafe to have my kids and family in. I broke the lease as they wouldnt fix the issues. I paid my rent on time every month regardless of the problems not being fixed and they had no concerns about fixing the issues. I went bye the house less than a week later to get my mail and someone else was already living there and they want to report on my credit report. And I didnt owe them any rent as I was not behind. What was I supposed to do stay in a unsafe house. I dont think so
Consumer complaint received 2022-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (SC)

I was informed by Security Finance I owe {$900.00} for a loan. I found out that this loan was paid at the time of the contract with my XXXX XXXX XXXX XXXX. I process the payment again which is twice the payment by XXXX. I am getting calls about payment repeatedly. This loan is paid in full. account # XXXX. I mailed documents to the Corporate office on XX/XX/2022 with notices of cease and desist, remedy letter, letter to creditor, and conditional acceptance. This loan was paid in full twice.
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-24
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. (IN)

A credit card was opened in my name by someone else. I have talked with the Bank that the card was opened with and they have said that they have deleted the account. Experian will not remove the account from my credit report. I have disputed it multiple times
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (VA)

the collection was added to my account as a newly opened debt from XXXX, I am not sure when it was open but it was before XXXX. I have disputed this with all credit bureaus but they say the debt is valid. They are not even reporting accuracte dates or amounts.
Consumer complaint received 2023-01-05
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: SYNCHRONY FINANCIAL (GA)

My social security number has been compromised and there have been several accounts opened under my name and social since XX/XX/2022. Theres a PayPal Credit account listed under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the hospital since XX/XX/2022.