davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (MO)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-26
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: SYNCHRONY FINANCIAL (AL)

Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 Synchrony/XXXX  XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.
Consumer complaint received 2023-05-08
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. (MO)

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  : XXXX, XXXX. Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX  : XXXX, 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 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.
Consumer complaint received 2019-12-26
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-26
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-12-26
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (IL)

There are multiple accounts open in my name without my permission or authorization, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. There is also wrong information submitted and incorrect spellings of my name including XXXX XXXX XXXX and XXXX XXXX XXXX. There due to these false account openings this has created financial hardships and issues with my actual accounts. Multiple accounts were affected as long as my financial well being. 

I was recently contacted by several lenders and collection agencies about various accounts that were opened without my permission during the timeframe of XX/XX/XXXX thru XX/XX/XXXX. We believe this stems from a scam taking place in XXXX where I was scammed by an auto dealer whom stole {$10000.00} from me and failed to deliver a vehicle. A police report was filed regarding the scam, as well as reports w/ XXXX XXXX XXXX Attorney 's office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX for the state of New York. 

Furthermore, it is also believed that since these same bad actors were in possession of my personal information that my info was either sold by the organization or misused by the same organization. These same bad actors continued to apply for multiple lines or loans ad credit during the better half of this year XXXX. There were over 25 inquiries counted from one credit bureau alone. 

All 3 credit reporting agencies have also misused my credit report as my true information has been compromised, name misspelled and fraudulent employers listed. 

This same company ( which scammed me ) is also under investigation for the same types of crimes against multiple individuals. However, we do not have any definitive evidence that these same bad actors stole my identity. There is now a pending judgement that was enforced by the DMV of New York during their investigation for the outstanding funds that were stolen from me. ( Hearing Unit XXXX ; XXXX XXXX XXXX ; Facility XXXX ). 

I have yet to be paid from judgment and the business, as well as the owners, are now unable to be found and have not been served with the new court order. These people should be in prison not having a judgment only against them. Thanks for your help
Consumer complaint received 2022-10-05
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have the Bank of America 321 card. You are able to select which category you want to earn the 3 % on. I needed a new roof so I looked into all my credit cards to see which one I would get the best cash back on. Since I was able to select 3 % towards home improvement this card was my best bet. So I set the category and made my charge ( this happened in XX/XX/XXXX or XX/XX/XXXX ). The roof cost {$7500.00}, so I was supposed to get a decent amount back. {$2500.00} at 3 % and the rest at the normal rate. But that was not the cast, none of it earned at 3 %. So I called BOA and asked them to look into it, they told me that the charge came through as construction, so thats why it didnt work, but they would have their back office team look into it because it was clearly for a roof, which is obviously home improvement. Well a few weeks later the back office group sent me a letter saying they werent going to do anything and that my rewards earned correctly. But the problem here is deceptive marketing. What the XXXX is considered home improvement if getting a roof isnt? It doesnt make any sense. I have plenty of other credit cards that I would have used that would have gotten me a better rate if I had known I was going to get screwed by BOA. And now Ive had to spend all this time trying to get like {$100.00} from them. Which is really a drop in the bucket when you consider the amount of money they are making off of people. I just want the 3 % back they are marketing people will get. I dont think thats too much to ask for.
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

This is not a duplicate. 

On XX/XX/2019 I tried to open an account with TD Bank due to their advertising a {$300.00} promotion for new customers. I had never before had a bank account with TD Bank. I was unable to complete the account opening due to problems with TD Bank 's web site. On XX/XX/XXXX I again tried to open an account with TD Bank and was successful. 

When I logged in to the account, it showed that my first attempt to open an account had in fact worked, although there was no way for me to know that. As there were now two open accounts, I asked TD Bank to close one of the accounts, and complied with the requirements to receive the bonus. 

TD refuses to pay me my {$300.00} bonus because they say that I was not a " new '' customer when I opened the XX/XX/XXXX account, due to the XX/XX/XXXX account being ( unknown to me ) open. 

I opened the account specifically in response to their ad for the bonus, and complied with the spirit of the requirements to receive the bonus. It is ridiculous for TD to claim that I was not a " new '' customer because of the XX/XX/XXXX account of which I was unaware and which was never funded and had no transactions.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

ON XX/XX/2021. my account is now minus {$460.00}. the tellers at the wells fargo bank are tampering with my account illegally. please investigate. numerous times withdrawals from XXXX for {$360.00} is consistantly taken out and the company I told the claims dept. under FTC & FBI investigation for stealing and towing away the XXXX  XXXX, while my wells fargo debit card was available to them. This was a SCAM inorder to charge me more money. the field manager XXXX XXXX was responsible and is known to OVERCHARGE his customers since he worked at XXXX. I am also being charged twice with planet fitness and some type of audio XXXX service. I asked the claims dept to investigate but if you have a chance look at my wells fargo online account and see how it is very confusing.The dates are being changed when I made a deposit. and deposit are scattered so that I could be charged a late fee. too much for me. I am on a fix income and now living in provety in a XXXX XXXX where I am being victimized 24/7. I am a widow of an XXXX XXXX veteran. this is a crying shame! how I am treated in my own country.
Consumer complaint received 2022-10-05
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. (CA)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have 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 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.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$800.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$1000.00} XXXX XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} All transactions were supposed to be going to stuff, but I never received any receipts for the transactions and never received the service that was paid for from any of the transactions.
Consumer complaint received 2023-08-07
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: Self Financial Inc. (FL)

not getting investigation in 30 days, this is my third attempt address this issues with my credit report. 

I have proof of all 3 prior disputes. 

disputes include 2 closed account still reporting XXXX  XXXX is a authorized user I am on account. 

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CITIBANKNA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC (NY)

I am writing to report multiple violations that Loancare is committing against myself and that is affecting me in a huge way. This company is reporting a wrong payment history on my account and some other UNFAIR BUSINESS PRACTICES that I will explain in this complaint. My account information : Loancare account # XXXX, opened XX/XX/XXXX. 

I must say that I tried to solve this big issue with them. I sent them a dispute letter on XX/XX/XXXX demanding the proper investigation as that the law requires. They didnt have the decency to investigate the account and THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED. These two are UNFAIR BUSINESS PRACTICES, serious violations under the Fair Credit Reporting Act. They just ignored my request and didnt do anything about it. I also sent them another letter on XX/XX/XXXX, which they did not answer and didnt make the proper investigation. This company is not respecting my rights at all. 

This account was enrolled in automatic payments. My money was transferred to Loancare each due date. I dont know what happened or if it was an error on their system that they didnt take the payment as the should but I was not even aware of these lates on my report. When the late payments were reported, I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL as the law requires. They are being NEGLIGENT and UNFAIR. Loancare is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by REPORTING FALSE AND ERRONEOUS INFORMATION.

This is affecting me mentally and physically. I have a high level of stress. This situation is just overwhelming for me. The violations that I mentioned can go up when I sat down with my lawyers.

I have a pending mortgage for {$400000.00} because of this issue. This is not fair. I demand a DELETION LETTER from Loancare as soon as possible so I can provide to my mortgage company and get approved with the interests I want. If they refuse to provide me with the letter through CFPB portal, I will not think twice to take this issue to court so it is decided by a judge. Thanks to whomever reads my complaint.

Attached : All documents sent to loancare, whisch they ignored.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM NOT A CREDIT REPAIR COMPANY AND NO ONE IS WRITING ON MY BEHALF. I XXXX XXXX, HAVE BEEN WRITING TO DISPUTE THESE ITEMS FOR A FEW MONTHS NOW AND I AM GETTING UPSET MY REQUEST IS BEING DENIED BECAUSE " IT SEEMS LIKE SOMEONE ELSE IS CHALLENGING THINGS ON MY BEHALF ''. PLEASE INVESTIGATE AND FIX THE ISSUES I AM REFERING TO.
Consumer complaint received 2023-05-13
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. (RI)

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, RI XXXX XX/XX/XXXX, XXXX L XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2019-12-26
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)

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-11-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I received a confirmation from XXXX that the refund for {$350.00} was completed. On XX/XX/XXXX I was told by Bank of America that they had decided to shut down my bank account which belong to my company. I received a check with the balance, however the {$350.00} refund which I was supposed to receive was never sent back to me. I have spoken to bank of america many times and I even went to the bank to speak to a representative. I have put a total of 8 hours into this case and the bank is claiming they dont have the {$350.00}. XXXX is saying that they issued the refund and that once they refund money, they do not have the ability to see where the funds went. In my opinion the funds were originally at Bank of America and once the refund is issued then the funds must go back to where they were originally. The {$350.00} are missing and Bank of America is saying they dont have the funds. XXXX is saying they dont have the funds neither.