davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-02-04
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX reporting wrong information on my credit report.I told them the account dont belong to me and to send me the original signed agreement, and account original balance and they will not validate it
Consumer complaint received 2023-01-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NJ)

Set up payment plan for outstanding balance and continued to receive calls from Comenity bank multiple times a day dating back to XXXX. 

XX/XX/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 XXXX XXXX XXXX Also suspect calling from unknown caller several times a day.
Consumer complaint received 2024-05-10
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. (CA)

MY CREDIT PROFILE IS INNACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CO)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX received letter at XXXX XXXX  XXXX.  XXXX  to collect a debt of $XXXX  for XXXX  Credit Card.  ( Acquired mail on XX/XX/XXXX from an unknown source, this is not my address).  On XX/XX/XXXX mailed certified letter to Midland Funding, XXXX  XXXX  XXXX  XXXX XXXX, XXXX. XXXX, XXXX  XXXX, CA requesting documentation showing that I am the responsible party or a copy of a judgment. On XX/XX/XXXX I received at my correct address (XXXX   XXXX  XXXX  XXXX, TX XXXX) a letter with a portfolio Number and account number no documentation to prove that I am the responsible party. On XX/XX/XXXX received a letter stating if they don't hear from me by XX/XX/XXXX the account will be forward an attorney.  On XX/XX/XXXX  forward another cease and desist letter to XXXX XXXX XXXX XXXX, XXXX   XXXX, CA XXXX.  I added a person to my account which made that debt; however since the card is in my name I paid XXXX  on XX/XX/XXXX $XXXX on the $XXXX debt.  Mail the payments to XXXX/XXXX  XXXX  XXXX XXXX XXXX   XXXX  XXXX, GA XXXX  and I got a letter from Midland Credit stating that I already paid them.  I never forward a payment Midland Credit Management again I paid XXXX  who forward the money Midland Credit Management.  On XX/XX/XXXX I get a statement from Midland with the amount I paid XXXX.  On XX/XX/XXXX I get a certified mail from Midland with a notice of possible attorney review.  I have the rights not to deal with a collection agencies. This is illegal.  If I am paying XXXX  the original debtor why are they sending my payments to the debt collector Midland Credit Management in XXXX  XXXX, CA.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (GA)

Account # XXXX reference number # XXXX. My rights enacted by the FCRA, FBCA and the Privacy Act are in violation by the unaffiliated third parties I have a complaint with. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported which is falsely being claimed by Barclays. In addition, I have late payments that are being listed that were never verified and violates my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of corporate compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extension of credit which is affecting my general welfare. This leaves no other option than to take this to feral court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section XXXX XXXX XXXX states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. Bank of America XXXX XXXX XXXX Bank of America XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo on XX/XX/2024 in regards to an account or a service I did not authorize. In which case I did not authorize anything like this and XXXX XXXX responded to me on XX/XX/2024 with a letter extending an invitation to participate in a Mediation Request to find a sufficient resolution or to settle for a {$68.00} check. I do t trust my bank and do not want to settle for {$69.00}
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

On XX/XX/XXXX, I wrote to Fed Loan Servicing and told them my credit report is showing XXXX XXXXays late in XX/XX/XXXX. I have XXXX loans with Fed Loan, and XXXX out of the XXXX loans are reporting this error. I have provided XXXX, XXXX, and XXXX with a confirmation XXXX XXXX XXXX XXXX from Fed Loan Servicing that includes all loans that went under deferment from XX/XX/XXXX to XX/XX/XXXX. I requested the forbearance due to domestic XXXX I went through, which was filed in the courts, resulting in a divorce. 

This reporting error is literally ruining my credit. I have been turned down for employment and other credit because of this. My last attempt to get this resolved was XX/XX/XXXX and the credit bureaus have changed anything. I honestly believe they are simply not doing their due diligence in getting this removed.
Consumer complaint received 2020-03-02
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. (GA)

XX/XX/XXXX I pulled my free annual credit report. After going over my report I discovered someone or persons, has used my likeness to open accounts without my authorization. The following accounts are fraudulent. XXXX   account opened XX/XX/XXXX with charges exceeding {$5000.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1300.00}, XXXX XXXX XXXX opened XX/XX/XXXX with charges of {$6100.00}, XXXX XXXX opened XX/XX/XXXX with charges of {$1100.00}, XXXX opened XX/XX/XXXX with charges of {$410.00}. I have filed a complaint with the FTC, please see attached complaint report.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2022, I opened an account with Bank of America. There was a {$300.00} bonus advertised. I made sure too meet all the requirements to qualify for this offer. Bank of America only deposited {$220.00}. I proceeded to make several inquiries over the phone. I had a difficult time getting help on the phone with someone who cold help me in regard my inquiry. Several Bank of America representatives were attempting to get me to conform with accepting that I had received a {$220.00} bonus with no explanation as to why the varying amounts. Several others transferred from one place to the other. 

The first time I made a successful inquiry was on XX/XX/2022, close to a month of attempting to get help. The second time I made an inquiry was on XX/XX/2022, and I was told that there was a case and I would receive notification either via secure message or through the mail. There was no notification. On XX/XX/2022 I made another inquiry via Online Banking, and I was told no notification was sent, and no error resolution happened. I was told the reason why the amount varied was due to " taxes, '' and the conversation was abruptly cut. 

This does not comply with Reg E error resolution timeframes, which state that the Financial institution must investigate within 10 banking days, and if the Financial institution is not able to resolve the error, that provisional credit is to be granted to the consumer while the time for the Financial Institution to investigate the case gets extended to 45 calendar days from the date of the inquiry. 

Not only Bank of America is in non-compliance with Reg E, but they have also violated the UDAAP, as what they advertised is Deceptive, their practices to get in contact with them are Abusive.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc. (MD)

I noticed that there was a credit card ending in XXXX that was opened in my name with the wrong address on my credit report. I then reached out to the credit card company in question to rectify the situation. I sent them a identitytheft.gov affidavit and they promised they would look into it. They closed the account, removed the inquiry, but yet this fraudulent account still remains on my credit report bringing my score down.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a capitol one debit card in the mail around 2 weeks ago. I did not think much about it since I had applied for credit cards at the store. I saw an email today that it stated that my account was overdraft and I immediately sign in. I called Capitol One Fraud department and I advised them of the situation. They are investigating the fraud activity but they told me to report it to the Federal Bureau of Investigation of fraud. I was able to enter into the account by answering security questions and my own name, social security, and date of birth. Therefore, this means that someone is using my information to access these accounts or to open these accounts. Capitol one tells me that this is an acquired account from another prior source. I do not have any accounts opened with any other banks. There is {$1000.00} XXXX XXXX transfer, XXXX XXXX XXXX of {$190.00} to a XXXX XXXX, and a withdrawal of {$800.00} from account XXXX to account XXXX performance, all of these charges being made on XX/XX/2022. I assume they are virtual transactions so the ip addresses should pinpoint the location of these charges to exculpate me.
Consumer complaint received 2022-09-14
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. (CA)

THE ONLY ADDRESS THAT SHOULD BE ON MY CREDIT REPORT WITH EXPERIAN IS XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex I HAVE DISPUTED THE INCORRECT AND WRONG ADRESSSES ON FILE THEY STILL HAVE NOT REMOVED THEM, I HAVE NEVER LIVED OR ASSOCIATED WITH THOSE ADRESSSES XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex  XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and Experian doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau is reporting different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from experian and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account NameXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and Experian. Which both these bureaus have different dates of opening as well as when the account was even active.
Consumer complaint received 2019-12-06
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. (GA)

I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2023-12-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CO)

After XXXX XXXX of trying to figure out a way to get current on our mortgage after we got behind from being on the covid forbearance program which was falsely represented when we signed up. That would be a whole other complaint. We finally got it figured out after lies, poor communication on loancares side, and stress. We went to make our first payment on XX/XX/01 and its really hard to pay getting a ton of errors after having my XXXX  also try. We find out on XXXX  they have been attacked by some hackers and no one has been able to pay, if they do their bank accounts are being hacked. Then we find out they tried to take out payment XXXX from our bank. We put a stop payment on it at out bank. How did loancare not alwrt its xustomers of the issue??? I had to find out on XXXX  and XXXX. I dont feel safe trying to make a payment again until things are handled better