davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, from my personal profile. A copy of my Bank statement, drivers License, and W9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and W9 for my Social Security Number as verification of my ONLY address.
Consumer complaint received 2023-07-11
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$2100.00}, XXXX XXXX Balance XXXX : {$4700.00}, XXXX XXXX Balance Owed : {$2100.00}
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/year> Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter from XXXX XXXX XXXX, XXXX regarding a credit card account which is in collections. I have not nor applied for that account. It is neither showing up on my credit report nor my husband 's? The company reporting the collection is Capital One which was XXXX prio. Is this a scam? If so, I will be reporting this matter to legal authorities.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC. (TN)

I am a victim of identity theft. I recently learned that my personal information was used to open accounts with creditors, schools, the IRS and has attempted to do much more. I did not open or authorize these accounts, and I therefore request that they be closed immediately. I also require that these companies absolve me of all charges on these accounts and that they take appropriate steps to remove information about these accounts from my credit profile. 

The following information does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has not responded to our XX/XX/XXXX complaint. Bank of America sent a letter directing us to contact someone identified as their attorney XXXX XXXX XXXX. When we reached out to XXXX XXXX he directed us back to Bank of America. We have not received a response to our XX/XX/XXXX complaint. 

In addition, Bank of America was informed on multiple occasions that we only authorized paper communications ( not electronic ) regarding this Mortgage account. Bank of America has subsequently refused to send us paper statements for XX/XX/XXXX and XX/XX/XXXX. We believe this is retaliation for filing these complaints. 

In addition, Bank of America sent a letter ( dated XX/XX/XXXX ) to us stating that approximately {$210000.00} was added to our home loan ( of which we learned about in or about XX/XX/XXXX ) because of arrearages. Apparently this is supposed to have occurred after Bank of America entered into Predatory Lending Settlement Agreements with California and the Feds. Bank of America has provided nothing to support its arrearage claim. 

Bank of America indicates that this arrearage of {$210000.00} occurred between XXXX to XXXX.
Consumer complaint received 2023-07-29
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)

Transuion is unlawfully reported fraudulent INQUIRY that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that this is DELETED immediately : XXXX XXXX ( Finance ). XX/XX/2023 2023
Consumer complaint received 2023-07-29
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. (LA)

XX/XX/XXXX said I opened the credit card in 2017 at first I didn't remember it was so long ago but I have to consulting with my attorney we have determined it was fraud police were contacted also I contactedXX/XX/XXXX they said it was sold toXX/XX/XXXXXX/XX/XXXX I disputed both agencies because XX/XX/XXXXstill reporting on my credit report so if it was sold why is it still reporting on my credit report also it is fraud I don't remember taking this credit card it is almost XXXX years old plus the balance is more than the credit card itself please fix this issue this is stopping me and my wife and my family from getting our home our first home I am XXXX it's hard for me and it's stressing me out the company isXX/XX/XXXXXX/XX/XXXX it is reporting twice on my credit report they are charging me twice XX/XX/XXXX is and also XXXX XXXX XXXX XXXX is charging for this fraud
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I deposited a check on XX/XX/2019 and Wells Fargo stated the hold will be 7 dayis time, which is highly unusual. The amount of the check was a large amount, however, Wells Fargo lied to me on XX/XX/2019 and I spoke to a XXXX XXXX and he stated that the check did not clear when it did clear and they had the funds but did not deposit the funds into my account until 7 business days later which means they kept my funds for over 10 days even though they had cleared and cashed the check from the issuing bank the next business day. I came back to the branch on XX/XX/2019, and spoke to the branch manger, XXXX XXXX, and he stated that they will not give me my funds but they waived my overdraft charges. When asked why waive the charges, he stated he was doing this out of common courtesy and not bank policy which is another lie.I want to inquire about these fraudelent practices of holding funds and not giving the funds to the account holder even when the funds were available to the bank.
Consumer complaint received 2023-11-01
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. (NC)

I disputed fraudulent student loans that are reporting on my credit reports on XX/XX/ and they have failed to remove the inaccurate information. I sent them copies of the police report and the FTC Identity Theft Report. The items are still on my report and there are about 10 of them. I did not take out these loans and did not attend the schools they are associated with. 

The credit bureaus have refused to block the information reporting on my report.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (AZ)

I received a call today XXXX, regarding an Issue going back until XXXX. I was advised to call back XXXX, and reference case number XXXX. First rep was rude, no help and hung up on me while waiting for a supervisor. Called back explained everything to XXXX, she could not help. Was transferred to XXXX employee id  XXXX, she did not know anything. I asked about the XXXX charge that is disputed on the statement that the company can not explain. XXXX told me she could not help and it was valid charge, although her nor anyone at Barclays could tell me why. She said she has no boss, and answers to know one. Really? No boss? I guess there is not an office of the president, CEO, board members etc ... ... .. 
THIS COMPANY IS ACTING FRAUDULENT AND ADVISING ME TO PAY SOMETHING NO ONE CAN ADVISE TO, OR SHOW A PAPER TRAIL WHY IT IS DUE???????????????????????????
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (TN)

The company asked me to stop paying my creditors. I had accumulated XXXX in the account aI was funding so they could negotiate with my creditors. I looked at my account XXXX day to see I had a zero in my account. I then looked to see what creditors they had paid. They had not. I called them regarding the funds and the said they get paid first then they start paying the creditors.
Consumer complaint received 2022-12-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (TX)

I had a personal loan with Discover that was used to consolidate debt. I 'thought " I paid off the loan in XXXX when I made a large payment of around {$17000.00} dollars. I paid through their website ; however, they applied that amount as monlthy payments. I had not heard from them until XXXX of XXXX. They said I still owed in excess of {$500.00}. Their management failed to recognize their blame and I had to pay that amount today as of XX/XX/XXXX. They loan should have been paid in full when they received the large amount all at once rather than applying a large sum monthly and utilizing the large payment of $ XXXX interest free for the length of the loan. 

I believe discover should return my payoff amount I paid today of ~ {$540.00}. I think this is a predatory action and they should be made to return my money!
Consumer complaint received 2024-02-19
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. (NC)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-29
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. (SC)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-09
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. (FL)

TransUnion and XXXX are STILL reporting inaccurate information in this accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 DAYS LATE PLEASE FIND ATTACHED XXXX REPORT WITH PAYMENTS POSTED ON TIME PAY ON TIME ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

I recently opened a account with lowes through synchrony bank. My credit limit was {$1000.00} I was notified that because of a recent credit inquiry to my accounts, my credit line has been decreased significantly I never authorized synchrony bank to randomly pull my credit Im requesting that my lowes credit limit is increased to {$10000.00} dollars
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

I open up a new account with XXXX XXXX XXXX and closed the account inactivated within the 10 days period. I dealt directly with the manager. All devices was return to the XXXXXXXX XXXX location and all monies refunded to my XXXX XXXX card except for {$280.00} that XXXX still owes me. I started getting bill for devices of {$260.00}. Then the collection agency started calling. The the amount got reflected in my credit report. In XX/XX/XXXX it appears that all got resolved except the refund of the {$280.00}. The item was removed from my credit report. XX/XX/XXXX I received a call from a new collection agency for the same amount. I explained the entire situation to the man on the phone. Less than one week later the amount was replaced back on my credit report and my credit score fell. I am in the process of apply for a loan and this can affect it. 

I am requesting for an investigation as to what is going on at XXXX and the collection Agencies for this to continue going on.
Consumer complaint received 2023-03-08
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: BMW Financial Services NA, LLC (NY)

XXXX XXXX XXXX XX/XX/XXXX {$88000.00} charge off! 

XXXXXXXX XXXX XXXX {$39000.00} Bmw financial services XX/XX/XXXX XXXX balance
Consumer complaint received 2022-02-19
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-11-01
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: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX has violated my rights. 
XXXX XXXX XXXX  ( # XXXX ) XXXX  XXXX ( # XXXX ) EQUIFAX HAS VIOLATED MY RIGHTS XXXX  XXXX ( XXXX ) XXXX HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX ( 1682 ) 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 accounts without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (FL)

On the date of XX/XX/XXXX, I applied for an auto loan by extending my credit to NFCU. I did the consumer transaction thinking that I was in good hands, until it came to my attention that the bank committed fraud. The fraudulent activity that I am referring to is the finance charge. It is very dissatisfying that NFCU committed fraud since I am the original creditor and extended my credit for the consumer transaction pursuant to 15 U.S.C. 1692 ( a ) ( 4 ). The finance charge is what I believe deceived me into thinking I was making a good decision with the transaction. Pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. The payments gave me a lot of trouble during the year XXXX ( Covid-19 outbreak ) because of the lack of work as well as the virus itself. In addition, the effect the payments had on me took a toll on my mental health because, I went into a XXXX, I was not able to provide for myself as well as help my mother out with her rent. Also, the inconvenience of it all is what caused me to not have confidence in myself to get a job because I couldnt afford a haircut, gas for my car, or interview clothes to even see if I could get an essential worker job. Therefore, since the insurance was not included the contract is void pursuant to 15 U.S.C. 1605 ( a ) ( 5 ).