davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-14
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. (CT)

XXXX XXXX from XX/XX/XXXX ACCOUNT # TO WHOM IT MAY CONCERN, This letter is a second formal complaint. I am in disagreement with the items listed above that still appear on my credit report, even after your investigation from XX/XX/XXXX. 
I would like these items immediately re-investigated and deleted. 

I would like this account deleted and removed from my credit report. Included are documents from department of correction, stating that I was incarcerated when this account was opened in XX/XX/XXXX. I did not receive funds or able to receive student loan benefits because I was in jail the date this account was open. 
Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. I request the item be verified manually and provided PROOF of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. Also please provide the name, address, and telephone number of each credit grantor or other subscriber. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Lastly to help resolve the issue I will be filing complaints and forwarding this letter to the FTC, CFPB, and XXXX XXXX.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I contacted XXXX to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and MXXXX XXXX. 
I have XXXX and this has caused me great XXXX and XXXX. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks R.D.
Consumer complaint received 2023-05-27
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent my letter last month on XX/XX/2023. I told the credit bureaus to investigate every information on the accounts I have listed below. Also, I have attached the letter I sent out. 

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

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, all information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681- everything has to be 100 %. I have the credit report showing the inaccuracies. 

Listed as follows- XXXX- not mine- not verified! must be removed! 
XXXX  XXXX XXXX-Account # XXXX not verified/ not accurate- must be removed! 
XXXX not mine/ not verified! must be removed! 

Inquiries- Must be removed- never approved by these companies. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-06-15
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. (TX)

XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consider this as my Follow-up complaint to ensure that these items must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Consumer complaint received 2021-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (IL)

I have multiple collections from this company that are listed on credit report yet i didnt see any notice that it would be listed on my report. Looks to be all medical and I have no way to look at their website since I dont have any agent file number. And I never sent up any type of payment plans with this company but there are past due balances listed on my credit report. A collection cant be listed with past due balances if the account wasn't with the company in the first place. Per HIPAA laws my medical records shouldn't have been sent to a 3rd party collection.
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/2020 I went into Bank Of America on XXXX XXXX XXXX Ct to make my mortgage payment. I handed my check with the statement to the teller she put the payment to my home equity credit line. I noticed the mistake the next morning and went to the bank manager the very next day. He said he couldnt fix it and I had to come back on Monday. So after going back and forth with the bank that account was fixed but the mortgage never was. After this I decided to make all my payments online which I have made my mortgage payment on the XX/XX/XXXX of evert month for the past 10 years I have all the proof. Well the bank took out two payments and I only wanted one out. I called the bank they told me to stop payment and reissue the payment on the phone the next day when the money went back which I did. Now they have taken all the payments out and say I am two months behind I have all the payments and the proof to back them up they say my principal balance is XXXX but that was the same principal balance I had in XXXX and by my calculations and payments my bale should be XXXX my balance was XXXX. And now in XXXX its XXXX and I have made monthly payments of XXXX. A month and the principal is to be deducted each month of XXXX which means that my principal should be XXXX Bank of America calls me at least 4 times a day now they have screwed up my tax escrow account as well. I have emailed the CEO of Bank of America and never got a response this is so stressful I cant sleep I am making my mortgage payments on time every month and I want this bank to fix it. Every time I talk to the bank they are oh I am so sorry Mrs XXXX yes we made the mistake but no one fixes it I want to refinance this home and if they XXXX up my credit I wont be able to do it
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

On my XXXX bill from Barclaycard there was a charge of {$1500.00} made on XX/XX/2020, from XXXX ( some weird company I've never heard ) of located in the state of Georgia ( I live in Florida ). I immediately contacted Barclay 's and told them this charge was fraudulent and they issued a refund and cancelled my card sending a replacement. They sent me a letter saying their initial fraud investigation showed I was not liable for the charge. In a few weeks, however, they reissued the charge, saying their " proof '' I made the charge was the company had my address ( no proof of what services provided or anything shipped to me ). I told them I would NOT pay this, that I did not receive any services or items from that company. I asked what actual proof they had for this charge ( so I could dispute it ). They then started another ( real? ) fraud investigation and on XX/XX/XXXX said they would resolve this in 45 days ( business days? I did not know how long to wait so I waited until now before proceeding ). I still have not received any report or final conclusion from them, and I can categorically state I have never received any services or items from that company and would love to see proof otherwise. However, I keep getting monthly bills from Barclay and the interest now is adding up ( my bills with all my credit cards are always paid in full and the only time I ever used my Barclay card prior to this was for purchases from XXXX ). My credit for 50 years has always been exemplary and this is unacceptable behavior on Barclay 's behalf.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Im writing to get some legal help and progress on an issue with Bank of America, who are either a ) holding my money and not returning it to my account for no given reason, or b ) hiding the fact they have mishandled my money and have lost it. 

A summary : I sent an international wire on XXXX XXXX to the value of XXXX USD ( sent as XXXX AUD ) On XXXX XXXX I made my first call to the bank ( XXXX ) to cancel as I was made aware the account I sent to in XXXX had been recently closed. On that call I was told the cancel request was initiated and return request sent to the bank in XXXX. 

On XX/XX/XXXX I called again - I was informed that the return had been initiated by the other bank, and was promised it should be in my account in 2-3 business days. 

On XX/XX/XXXX it had been noted that the funds were back in in Bank of America system, but not in my account yet as they had to be converted. 

On XX/XX/XXXX I called again, was reassured they had my money in the system now but was told that the funds should be cleared and converted by 2-3 business days from XXXX ( Wednesday XXXX at the latest ). 

Given I saw no changes to my balance by XX/XX/XXXX I called again - this time I was told conversion has been delayed for unspecified " technical issues '', should be 2-3 business days from XX/XX/XXXX. 

On XX/XX/XXXX I called again - no change or new information was provided beyond " they're having trouble processing the conversion ''. I requested written confirmation of presence of funds XXXX to prove this isnt a theft that I need to report to authorities XXXX. This person promised to escalate to direct manager who will call me to discuss. 

Since I received no call 4 days later, on XX/XX/XXXX I called again, and was again informed that there was a technical issue that was delaying the conversion of funds. When I asked for written evidence, confirmation or otherwise of this issue I again received a response saying they will not give me anything like that. 

They have confirmed verbally they have my money - I don't care what their issues are internally, they have the money and it should be in my account AFTER ALMOST TWO WEEKS!
Consumer complaint received 2021-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Money from social security XXXX claim benefits have been taken from my account transferred to another bank with out my authority. accounts transactions transfer of {$20000.00}. {$15000.00}. {$9.00}, XXXX and more all my XXXX  money from social security is missing. People bank thru XXXX  XXXX XXXX. I have statements and was never provided with all the information that I have tried to find.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like Experian advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied Experian is reporting and experian needs to remove the following inquires XXXX-XX/XX/21 IXXXX XXXX Comp XX/XX/XXXX Factual Data/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX  and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Informative XX/XX/XXXX XXXX XX/XX/XXXX Datafacts XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX
Consumer complaint received 2021-06-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (PA)

See CFPB complaint number XXXX. This was NOT addressed by US Bank. They falsely stated I was informed the account closing process would take 10 business days. I am demanding the initial call recording be pulled where I was informed it would take five to 10 days to handle. My intial call was Monday XXXX XX/XX/2021. I detrimentally relied upon what I was told by US Bank ... they do not address that in their response. They DO admit, as they have to because the call is on record and I have proof of the same, I call to close an account on said date. The state I was told it could take up to 10 days. Let 's assume for a moment that is true ( which it is not ) then the account should have been closed and check mailed by XXXX XXXX ... it was NOT. US Bank correctly states the check was cashed on XXXX XX/XX/2021. In fact that is the day the check was received. So by US Bank 's own admission, they failed. They do not address this in their response.
Consumer complaint received 2021-06-16
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.