davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BankruptcyXXXX XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX
Consumer complaint received 2020-09-28
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NC)

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.

15 USC 1681 SECTION 602 15 USC 604 A SECTION 2 15 USC 1681c ( a ) ( 5 ) 15 USCs-2 ( AX1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have a credit card with capital one. I was charged an annual fee for the card of {$39.00}. This card was enrolled in autopay. The charge for the annual fee was not automatically deducted. At no point was this card taken out of the autopay program by myself. As Ive not used this card in years, the charge wasnt noticed by me until XXXX on my credit report. It showed a delinquent payment. I tried contacting Capital one asking them to provide proof of my stop in autopay, as well as where I was informed and signed off on their annual fee. Ive been hung up on by live agents and signed off my account when I tried to use their online chat portal to address these issues. Im more than happy to pay but I want the delinquencies taken off of my credit report as I never consented to taking myself off autopay.
Consumer complaint received 2020-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am federally protected consumer and XXXX XXXXXXXX XXXX, XXXX, and TransUnion has violated me under the provisions of 15 USC 1681. Please review attached documentation.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I applied for an apartment and was not approved. Nowhere in the application did it state that the administration fee to hold the apartment was non-refundable. National Credit System along with XXXX XXXX XXXX even tried to justify the debt by claiming I had a contract with XXXX XXXX XXXX. My Sister lives at that property not me. I was denied when I applied. There is and was no contract.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Approximately a week ago I discovered fraudulent funds had been put into my credit card. These were my funds I earned after an investigation. The amount neared {$500.00} and earned almost {$200.00} in interest because they kept my money illegally. The investigation began XX/XX/XXXX and ended XX/XX/XXXX when they transferred the fraudulent funds to the credit which which they closed. The fraud occurred in the checking account - NOT the credit card. I confronted them about it and they laughed at me, the manager on duty and he said its our money good luck. 

Its not their money because 90 days had passed and no decision had been rendered which means a default judgment in my favor for the funds. Further, I found cases worth thousands of dollars they they did not protect me from at all and haven been forced to literally look over every change from the last two years. 
These cases would be considered a form money laundering because they were taking massive amounts of money in and out of my checking account.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Lending Club Corp (MA)

I had a late payment reported by lending club during this coronavirus pandemic. As soon as I learned of this, I called to make payments to make my account current. I also re enrolled in autopay to avoid ever happening again. I have never been late prior. I had kindly written a goodwill adjustment letter and was denied the removal of the late payment. A remark was added to the report after my follow up phone call. A remark stating -affected by natural disaster.. If that remark can be added, why cant my late payment be removed. My credit score dropped 50 points. This all happened as soon as I was about to obtain a mortgage commitment for my home which I have been working on for the last year. I no longer qualify for my mortgage due to the late payment report. My new score is too low due to the 30 day late reporting. I have gotten a short extension to XXXX for the mortgage commitment. I am still trying to work with the lender about having the late removed and have been unsuccessful.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (VA)

I took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto  draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. Last time I spoke on XX/XX/XXXX they were sending one out and I have yet to receive it like every month they tell me they are sending. This company is breaking many lending laws and practice is very shady. I want this removed of my report and my account to be corrected of late fees and a statement sent to my house.
Consumer complaint received 2020-09-28
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: Amsher Collection Services, Inc. (GA)

What happened? : I had a pre-approval for a home loan through the GA XXXX XXXX but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the  GAXXXX XXXX for down payment assistance for XXXX workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2022 - Went into banking hall to send international wire for our business. 
The receiving company, my client, indicated they did not receive the funds because a wrong account number was used. They noted and highlighted that in the proof of payment that our company had forwarded to them, via email. Proof of payment issued by our bank. ( Note, we had sent some funds to this same company a week before, and that transaction went through ) XX/XX/2022 - Our bank initiated a cancellation of transaction tracing. 

XX/XX/2022 - Followed up with our bank on status of cancellation tracing. Was advised it takes 10 business days for funds to be returned to our account. 

XXXX/XXXX/XXXX  - Called the customer services number ( international wires department ) They shared a secured document with us, as proof that they do not have any record of receiving any funds from our client 's bank. Forwarded the document to our client to share with their bank. 

XX/XX/2022 - Client 's bank confirmed that " funds have been returned and was debited by the foreign bank '' XX/XX/2022 - Forwarded document from our client 's bank to the customer 's service- international wire department via email. This was sent to the gentleman who had sent the secured document from our bank to us. Did not receive any correspondence from our bank since then. 

XX/XX/2022 - Called our bank, international wire department. Spoke to ne officer who was very rude. I sked to talk to the gentleman who we have been communicating with regarding this issue. She refused to transfer our call. 

XX/XX/2022 - Called our bank again, talked to another officer who asked we forward the email we sent to our bank on the XXXX of XX/XX/2022. We did, and we haven't heard from anyone ever since. 

This pending payment has some serious implications on working relationship with our client. We will be needing their services again in the next month. There is no way they will want to work with us whilst this payment is pending, at no fault of our own. 

The bank admitted it's their fault. Why is our business suffering due to a fault of their own? 

Hope to hear from you soon. 

Thanks.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (MO)

Requested Feedback not provided as of XX/XX/XXXX for my certified letter - USPS, nor first, yet additional, request for validation of debt owed. 

In letter, I stated I would establish a payment plan if the school agreed to the arrangement ... this occurred prior to COVID19 and full lockdown at the state level. 

Additional time was given due to COVID19. 

XXXX in XXXX charged XXXX to XXXX dollars and this range was sufficient and what I referenced in reestablishing a payment plan, which I would start sending payments on a weekly basis ( as of XX/XX/XXXX due to current work arrangement and unemployment stimulus if current employment ends ) ... previous agreement prior to XX/XX/XXXX feedback request was on a limited part time employment basis with some SSDI funds available after bills and rent. 


To my knowledge, as of XX/XX/XXXX no validation of debt have been completed and are required per the consumer protection laws, if not completed the false reports on the creditciles have to be removed. 

I was never on campus in XXXX nor after XX/XX/XXXX to establish any new loan agreements for funds from XXXX or their affiliate Reliant Capital Solutions. 

I do not owe any amounts ranging from XXXX to XXXX dollars, but I'm definitely aware of the range from XXXX to XXXX and am open fo paying those according to our prior payment arrangement with XXXX Cashiers Office, as indicated in 1st request for validation of debt prior to XX/XX/XXXX feedback request. 

Any additional attempts to collect these amounts are further retaliation efforts, which need to not only be documented, but forwarded to the appropriate Department of Education and other overseeing agencies to ensure all parties can resolve this by way mediation ... if taken to trial, certified letter is evidence of educational Institutions noncompliance and complicit nature in prior investigations and efforts to resolve the XXXX to XXXX balance ( most a counting came from on campus living arrangements. 

All affiliated efforts to collect this account without validation need immediate removal from all credit files by both third party ( who I already have no contract with ) and original creditor ( who I have sent validation requests to ). 

Damages have no been requested at this time, but accurate information is ready for processing if needed for this request.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

I filled a regular & a fraud claim about my money missing from my account. The back is yet to tell me who it went to, what account/bank or name. No Information has been provided to me & Im being told Ill never get my money back. Agents are hanging up on me whenever I call. Im seeing the money being transferred out but I dont know the person & never authorized this transfer. If my card didnt declineI wouldnt know my money is gone. When I checked my account after trying to do a purchase I saw these large transactions. Im battling identity theft now my money starts disappearing.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (RI)

I have sent several dispute letters and hired credit repair companies they are trying to collect {$420.00} on a secured credit card that I had gave them a security deposit of {$300.00} so the balance should only be {$120.00} they never applied the {$300.00} security deposit.
Consumer complaint received 2020-09-28
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: HYUNDAI CAPITAL AMERICA (NJ)

KIA NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I opened an a credit account with  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (MD)

To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. 

During the pandemic XX/XX/XXXX, I received a letter from XXXX XXXX offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted XXXX XXXX and I spoke with XXXX XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. 

It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. 

After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. 

It never came. I disputed on my credit report and the only thing happened was the amount updated. 

None of my credit reports are accurate regarding XXXX, the payment and overall history is inaccurate. 

This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : - XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2020-09-28
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. (NJ)

XXXX NEEDS TO DELETED XXXX NEEDS TO BE DELETED THESE ARE NOT MY ACCOUNTS I WAS FORCED TO PAY. THEY PROMISED TO DELETE THESE ACCOUNTS ITS DESTROYING MY LIFE AND MY FAMILY.
Consumer complaint received 2024-02-27
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881.

Bankruptcy inaccurate 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written consent.