davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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. (LA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

I recieved a letter from an attorney named XXXX XXXX XXXX in XXXX county regarding Southwest collection services. This is the first I have ever seen from this creditor.It claims I owe a debt. However the Debt is Time barred and has never been collected on before today. I was under the impression that this debt didn't exist as I had returned the Merchandise and then the company XXXXXXXX XXXX XXXX went out of bussiness. I never had any debt with this company. I have not had any open accounts with XXXX XXXX XXXX since XXXX. It is now XX/XX/XXXX and I am receiving a letter from an attorney threatening me to pay something that is far to old to be collected on or I will be sued
Consumer complaint received 2019-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (TX)

15 U.S. Code 1681 i ( A ) - Procedure in case of disputed accuracy which states that you have a job to investigate accurately, you didn't comply with FCRA which is the law, this is the last alternative to before I sue you in federal court. Also please be advised I gave enough time I will not wait 30 days and will pursue legal action if not taken care off with in 10 days Only people that can verify a debt is neighbors or family so please tell me how 15 u.s. 1681 section 602 a right to privacy I am demanding that you remove the fallowing information of my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

In XX/XX/XXXX, my account was fraudulently accessed and used. After I became aware of this, I contacted JCPenney Credit Services/Synchrony Bank to report that I did not use my account at any time during the month of XXXX. I was assured that I would hold no liability for the fraud because the bank has zero fraud liability. 

When the fraud was discovered, the account ( 1st account ) was closed and a new account ( 2nd account ) was opened. JCPenney Credit Services/Synchrony Bank transferred the balance I owed from account 1 to account 2. The balance transferred was XXXX. This should be the balance reported to the credit bureau however Synchrony has reported a balance of {$1500.00} which included fraudulent charges and interest charges on those fraudulent charges. JCPenney Credit Services/ Synchrony Bank knowingly reported inaccurate information to the credit bureau XXXX 

I was recently notified that JCPenney Credit Services/Synchrony Bank closed the second account due to two payments that were returned. Those payments were part of the fraud. I NEVER made those payments. The closure makes no sense. I owed a balance of {$560.00}, why would I make payments in excess of {$1000.00} to the account? They knew I owed only {$560.00} because they transferred that balance to the new account. Someone should have seen the activity on this account and questioned it BEFORE closing my account especially since one of the payments was made after the fraud was reported. The fraud payments are : a. XXXX XXXX b. XX/XX/XXXX XXXX JCPenney Credit Services/Synchrony Bank closed the second account in error and reported to the credit bureau the account was closed by grantor with a balance owed at {$1500.00}. The closure of this account and its reporting has adversely affected my credit file.
Consumer complaint received 2022-04-18
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. (MN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2024-04-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX , the leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called BofA asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - Last few days : I have called BofA repeatedly trying to figure out what is going on and they have extended their resolution timeline from XXXX hours to XXXX business days to XXXX  days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with BofA that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # s tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX, XXXX and Equifax are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IN)

XXXX XXXX, 2022 I received four emails from Wells Fargo regarding a checking account being opened. I did not open an account. I am unable to access any account information so I called them the evening of XXXX XXXX with the application reference number. The first person just sent me back to the beginning of the computerized phone system. Eventually I talked to a guy named XXXX. Then I asked for a supervisor. There is still an account opened in my name. While accounts can be opened on a Sunday apparently you can not get a fraudulent account closed and I was told I must wait until XXXX XXXX. Meanwhile someone has an account in my name doing who knows what.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/ RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
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. (NY)

Transunion is reporting inaccurate and incomplete credit information on my personal credit report. The following information does not belong to me and are completely unauthorized by me : XXXX XXXX XXXX Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/29 I was charged a NSF fee of {$35.00} I called Bank Of America to get the fee refunded and was unsuccessful. This is an account that is used to pay my grandmas XXXX XXXX.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX XXXXI am NOT late on XXXX 2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Good morning, I entered into a purchase agreement with a Seller for XXXX XXXX in XXXX CA, on XX/XX/XXXX XXXX .I was given a pre approval letter by the seller 's preferred Lender Loan Depot on XX/XX/2022, with Lender credits for XXXX XXXX  if Loan Depot was used. Construction got delayed and seller gave me cash credits for {$7500.00} for the inconvenience caused, but tied it again to Loan Depot. 

Loan Estimate was issued on XXXX and Adverse action notice was issued on XXXX. 

Seller first wanted to keep my earnest deposits of XXXXXXXX XXXX XXXXhen wanted to return it and cancel my purchase agreement. 

I am not being allowed reasonable time to find alternate financing.
Consumer complaint received 2022-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MD)

I do not recall giving permission to XXXX XXXX to release my medical information to a third party. Medical services rendered are not equal to fees charged in the amount of {$2000.00}. This issue was inquired about and disputed in XX/XX/2022. Dispute was closed with none of my inquiries being addressed. 


Please provide a breakdown of fees including any and all collection costs and medical charges Please provide a copy of my signature with the provider of service to release my medical information to the third party
Consumer complaint received 2022-10-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

This is XXXX XXXX submitting this CFPB Complaint requesting to the Credit reporting Agencies to please remove the disputed accounts from my Credit File. I am submitting this CFPB complaint in response to the Credit Bureaus ' current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining accounts to fix. Here is the list of accounts and information that should be removed from my Credit File : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2023-08-09
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. (CA)

XXXX XXXX used the credit services provided by Equifax to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the Equifax credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (VA)

We made duplicate payments in error on our mortgage account ( Flagstar # XXXX ) This resulted in over payment of {$16000.00} We filed a refund request on XX/XX/XXXX. We were told to stop Auto- payments until this matter is resolved. Flagstar Bank helped us to stop payments until XX/XX/XXXX. ( Flagstar Bank case # XXXX ) Flagstar refunded part of the above amount and reported us to the credit bureau which lowered our credit rating even as we resumed making Auto-payments starting in XX/XX/XXXX. Account is now current but case still unresolved!
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

On XX/XX/2023, I made a hotel reservation with XXXX hotel reservation, also known as XXXX. XXXX charged my Discover card {$670.00} for the room but did not pay the hotel for the room. I called them and they asked me if I wanted to cancel the reservation. I was fully aware of their cancellation policy, so I did not cancel the reservation. I said No! I need the room to be paid for as agreed! I still need the room! There were three witnesses to this phone conversation. My son-in-law ended up having to pay for the room. XXXX sent Discover false documentation that made it appear as though I cancelled the reservation. I did not. Discover has decided to take the word of XXXX that I cancelled, which is an absolute lie. As you will see in the included documentation, the room remained in my name and was paid for by my son-in-law, XXXX XXXX. 

I cancelled the Discover card used in this transaction after this incident because I did not trust that it would not be subject to additional fraudulent activity, so the new Discover card issued to me will not match the number used in this transaction. That account number will be closed.