davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (GA)

Account was discharged through XXXX XXXX  bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for XXXX and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX about changing the incorrect information nothing has been changed after 30days and after dispute through experian no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my experian credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (GA)

Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for equifax and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX  is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX  XXXX wage earner status for XXXX and transunion which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TransferWise Ltd (CA)

Hello, I have an account with Wise where I typically store USD to facilitate international fund transfers. In this case, Wise has erroneously charged me a {$46.00} fee for a canceled fund transfer by treating it as two separate transfers. 

On XX/XX/23 I mistakenly made a transfer from another XXXX XXXX account I possess to my Wise USD balance in the amount of {$7100.00}, of which {$48.00} were fees and commissions collected by Wise ( Wise transfer # XXXX ). 

On XX/XX/23 I realized my originating XXXX XXXX account did not possess sufficient funds for the transfer and contacted Wise to notify them so that they could cancel the transfer as the originating bank told me they, of course, would not transmit the requested funds. 

On XX/XX/23 Wise responded to my notification and falsely claimed that the transfer had already been completed, which is impossible since the originating bank informed me they had not and would not transmit the funds. 

On XX/XX/23 Wise notified me that the transfer had indeed failed and that they would deduct the balance from my Wise USD account. However, they deducted more than the transfer amount, leaving me with a {$46.00} negative balance, even though I had left the total amount of {$7100.00} untouched. 

On follow-up exchanges with Wise between XX/XX/23 and XX/XX/23, I attempted to contact Wise to clarify the issue and asked them to refund the {$46.00} fee that they had erroneously charged. This has left it impossible for me to use my Wise account without first paying the {$46.00} erroneously charged fee. They have further threatened to close my account over the matter. 

It seems to me that Wise is treating the one canceled transfer as two separate transfers, in an attempt to extract a {$46.00} fee. I believe they have erroneously done this by floating me the funds so that the transfer appeared as completed within their system. However, it was never completed because the funds were never transmitted. 
The user agreement with Wise does not allow for such a fee. I know Wise is not a traditional bank, but I and most others use it as such, and therefore should follow the rules of a normal bank.
Consumer complaint received 2022-10-13
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. (SC)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

i have found inquiries i dont recognize on my report and need them removedExperian -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian -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 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2020-07-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP (FL)

honda financial services is trying to illegally collect a auto deficiency balance from a repo in XXXX i purchased a XXXX XXXX XXXX XXXX from honda in XXXX  XXXX florida XXXX the car was repossessed on XX/XX/XXXX XXXX the car was sold to a private auction on XX/XX/XXXX, a final billing ledger was sent out to me on XX/XX/XXXX addressing the amount the car was sold for and the remaining balance that was owed on my behalf which is considered to be the deficiency. i contacted honda serval times to dispute this and received the same information constantly. this information is also inaccurately reported on my credit reports damaging my credit score. after conducting the proper research in the state of florida a finance company or lien holder can not collect or sue for a deficiency balance if they don't properly provide all of the remedies for the borrower to reinstate the loan or buy the car back. fl statue 537.012 repossessions, disposals of pledged property ; excess proceeds states that : taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i called honda financial services on XX/XX/XXXX and spoke with a representative named XXXX at XXXX XXXX XXXX time. i inquired with XXXX XXXX if honda financial services sent out the proper notifications prior to the sale being conducted. XXXX XXXX responded " no, the state of florida laws says that we don't have to ''. our conversation took place on a recorded line. i am requesting that honda financial services remove this negative listing from all three credit reporting agencies immediately due to its inaccuracies and illegal claims per florida statue 537.012
Consumer complaint received 2022-10-30
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-09
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. (TX)

I've went online many times for over a year on Equifax, XXXX and XXXX disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.
Consumer complaint received 2022-10-30
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. (OH)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-10-30
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. (OH)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

Some online company called XXXX was used with my debit card but I was not aware of the transaction and this was on XX/XX/XXXX then I filed the dispute with my bank which is Chime. but Chime denied it. they say I didn't have any proof of evidence. I told them that they even took the money while I was on the phone with them to report it. but they say that was not enough evidence. they took over {$3800.00} between XX/XX/XXXX and XX/XX/XXXX but I didn't recognize the transaction before because it was a low amount. but the rebuttal of the claim was denied. and I reached out to XXXX to see if they can help me with the claim. they provided me with more information about the claim. showing that it was not me because the person who was conducting the transaction was located in XXXX, Florida and I live in XXXX, New York. 

- On XXXX -- > {$3800.00} - On XX/XX/XXXX denied because no proof - On XX/XX/XXXX rebuttal my claim was denied again and provided me with evidence they used to make a decision - On XX/XX/XXXX provided proof from XXXX showing I didn't make the transaction, - On XX/XX/XXXX denied me again.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I submitted a dispute for the child support accounts to be removed off my credit report to all XXXX credit bureaus ; XXXX, XXXX, and TransUnion. 

The Accounts are unlawful & Fraud. I did not open any account, or enter into any agreement with the Child Support Agency, nor did the debt start from a " CREDIT TRANSACTION ''. I do not have any loans with Child support & Ive requested all accounts be removed.. 

I disputed these accounts on XX/XX/year>. 

The bureaus didnt do anything but claim to Update my report but the Child Support Accounts still show.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

i reviewed my consumer reports and noticed that i had one late payment on a account that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy i have never been late on payments for this account i have included screenshots inside this complaint in or on dates of Mo XX/XX/2023 please investigate and provide proof with statements showing this payment was late if proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. thanks please see screenshot attached
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My information was used without my consent to open these accounts at this time I asked for accounts to be removed. If anything is inaccurate on my report with these accounts remove that as well do the fair cred repair act and that I am trying to better myself in life I wan na be able to provide to the youth and my family.
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

After disputing a transaction Bank of America wrongfully froze my account and funds that I had in the account without notifing me that my funds were not assessible. Bank failed to assist when asked to help unfreeze the account and gave me misinformation by stating the state unemployment office would have to remove the freeze due to the state being responsible for the freeze and when I finally got in touch with the state unemployment office I was told they had XXXX control and the bank would have to unfreeze it and the bank again lied to me by stating I would need to get an attorney to get the freeze taken off. This continued for over 2 weeks. The XXXX I spoke to at Bank of America called me a bum that was only trying to get free money. When I told her I worked and paid in to unemployment she told me I was XXXX and she could not help then hung up on me. I spent a total of 38 hours on hold in a span of 15 days only to be hung up on everytime. I spoke to the state attorney generals office and was told I could get assistance from CFPB. Bank of America contacted XXXX XXXX XXXX XXXX and stated my account was fraudulent and XXXX XXXX froze my unemployment benefits for a total of 3 months causing undeserved suffering for my family. We lost our home and car due to the freeze causing my benefits checks to be lost in transit for a total of XXXX checks and 4 months total. When I attempted to request they unfreeze my account I was put on hold for 7 hours the first day, 5 hours the next day and so on and so forth and hung up on numerous times. Bank of America allowed an unauthorized person to open an account for a pay card I had no idea about. I asked the XXXX about the freeze and was told it was automated by the computer and they had no control over the freeze. The investagator from dispute resolutions agreed with me that it was so confusing and unlawful for the bank to do this without reason or notice. It has come to my attention that CFPB fined bank of America for issues exactly the same as mine. I have been treated unfairly by both the bank and the CFPB and will seek assistance from the Ombudsman if necessary to resolve this matter. I am forwarding this complaint to my states governor and the office on the comptroller of currency also. Please help me get the justice my family deserves for being forced to lose our home due to the banks unfair and treatment of myself, the bank was deceptive and the CFPB obviously agreed with that due to the huge fine they gave the bank for similar issues. I attached pictures and every single paper represents a check that was lost in transit.