davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-22
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: Early Warning Services, LLC (NC)

Early Warning, is calling completely new complaints about how they break the law frivolous. I have the proof in their own letters they break the law. 605B of the FCRA in subsection C, gives the CRA 3 reasons to decline or rescind a block requested under subsection A of this same law. Early Warning has NEVER received a complaint about this issue, through the CFPB. Yet, their letter dated today clearly shows they lied and called it frivolous. 
Early Warning has blocked the XXXX account more than 6 times, yet, against the law, they have rescinded the block when NONE of the 3 reasons the law gives them exists. Breaking the law is NEVER right, and attempting to get the law obeyed is NEVER frivolous until the law is obeyed.

Early Warning MUST provide proof beyond a reasonable doubt, that 1 of the 3 reasons allowed by 605B has occurred. None has happened, so when they rescinded the block over 6 times, Early Warning in fact is breaking the law over 6 times. Stop allowing Early Warning the ability to lie and break the law to harm me or anyone
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A lot of time I get call for credit debt Collection sometimes matches my information sometimes not. But I never try to open any credit card after my first credit card charged from unknown sources, then I never had any credit card but a lot of time I get calls and email from different companies about my payment but I never had those account. Even I saw a lot of car loan requests after I tried to buy a car
Consumer complaint received 2023-03-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-22
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. (OK)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the relentless attempts to remove the charge off account from my credit report. Despite several communications and efforts on my part to rectify the situation, the issue persists unresolved. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt resolution. 

I first became aware of the erroneous charge off account listed on my credit report. Subsequently, I diligently followed the proper procedures outlined by [ creditor/bank name ] to dispute and rectify the inaccurate information. However, despite providing all necessary documentation and evidence to support my case, the charge off account remains on my credit report. 

Furthermore, I have contacted your customer service department multiple times, spending significant time and effort to resolve this matter. Regrettably, each interaction has been met with promises of investigation and resolution, yet no tangible progress has been made. 

As a responsible consumer, I take great care in managing my finances and maintaining an accurate credit history. The presence of this erroneous charge off account not only tarnishes my creditworthiness but also undermines my efforts to secure favorable financial opportunities. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The removal of the charge off account from my credit report. 
Confirmation of the removal in writing, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, any adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to remove this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TN)

I have spoken with my local gym ( XXXX XXXX XXXXXXXX, TN ), they have told me there is no record on file for a debt owed, a " law office '' from XXXX, UT ( XXXX ) is calling me saying they have a file from the gym. They have stated they have sent me a record for collections, but I have not received anything. The local gym has also stated they do not use an outside credit agency.
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (GA)

This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Name : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I went into a Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I saw and spoke with XXXX XXXX, Relationship XXXX  at the branch office. Mr. XXXX informed me he couldnt open up a Bank of America checking account for me because it was coming up in the database system as decline. I showed the letter XXXX XXXX XXXX sent to me stating adverse reporting was removed on previous accounts ending in XXXX and XXXX was removed and he is now able to open new accounts at Bank of America if he chooses to do so, and he informed me he would call and speak with XXXX XXXX, Resolution Specialist Regulatory Complaints in regards to the previous letter Mrs. XXXX sent to me stating I can now open a Bank of America Checking Account after filing for Chapter XXXX Bankruptcy on XX/XX/XXXX, XXXX Review Bank of America letter and Case Number : XXXX dated XX/XX/2021.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

The Company Paypal Inc, Allowed a fraud chargeback into my business account with them a customer doing a false claim with XXXX credit card company that my job was not completed. 

We provided all necessary information to Paypal to explain to them that we completed the job and this customer is doing chargeback fraud to my business. 

Paypal mentioned to me that on the XXXX of XXXX XXXX has no answer yet they will pay me back the money and close the case because I'm covered with merchant coverage protection we have them recorded 2 times after a 3rd call we recorded another of their employees saying that the other 2 employees they lie to me and my money will be not paid back with a rude attitude. 

If the promise was fraud protection to my business on the XXXX why did they not give my money back and stop talking the wrong way?
Consumer complaint received 2022-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (SC)

The issue I have is for a rental property ( with tenants ) with Mortgage. During the COVID-19 pandemic, the tenants could not make rent payment so I requested forbearance due to reduction of income. Mortgage was in forbearance from XX/XX/XXXX until XX/XX/XXXX. I ended the forbearance in XXXX and resumed making regular payments ( Starting XX/XX/XXXX ) since the tenants resumed paying rent. 

I requested a deferral for the 9 payments missed during forbearance over the phone. CMG ( the mortgage company ) said they will mail me a package to review and request it officially. I signed it and sent back to CMG. After few months, In XX/XX/XXXX, I called CMG to inquire about it again since the issue was not resolved. They said they will send the official deferral agreement again. I signed it and sent back to CMG. On XX/XX/XXXX, I finally received a letter confirming the deferral agreement approval and as of XX/XX/XXXX. XXXX, my loan will reflect that I am current with all payments. The 9 missed payments during the forbearance period will be moved to the maturity date of the mortgage ( end of it ). 

Today, XX/XX/XXXX I called CMG to inquire about this issue since it doesn't show that I am current on my payments. Last statement shows over {$10000.00} due for all payments. 

I am trying to apply for another mortgage for a different property ( from a different lender ) and underwriting will not approve me without showing that I am up to date with that ( CMG Financial ) loan. Last statement from CMG shows that I am 9 months behind, I am being charged a {$35.00} late fee EVERY month ( although I am making payments monthly and on time ) and there is no evident that my loan deferral was processed at all. They did not report my on time payments since XX/XX/XXXX to my 3 credit files and I am about to lose the new house I am trying to purchase. 

I was told today that someone will call me back on Monday XX/XX/XXXX and follow up with me. 

This is extremely frustrating. Please help... 

Thank you,
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have an auto loan with BofA that I refinanced in XX/XX/2022. 
The check was sent to BofA from XXXX XXXX and was supposedly cashed by BofA on XXXX. The funds were never applied to my outstanding auto loan. 
I have been going back and forth with both companies spending countless hours and time trying to resolve this and have had XXXX luck. Im now being harassed by BofA to make payments on my loan with them even though Ive been making payments to XXXX on my new auto loan. So now Im carrying two auto loan balances and two auto loan payments for my one vehicle. 
Ive asked for research into this matter and have not received any follow up with a resolution to this matter. Ive also filed a CFPB complaint on XXXX.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.
Consumer complaint received 2022-04-22
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. (WA)

XXXX XXXX ACCOUNT XXXX XXXX is 30 days late on my credit report On XX/XX/2017. 

This is a false claim as this payment was not 30 day late.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE CONTACTED TRANS UNION SEVERAL TIMES REQUESTING FRAUDULENT INFORMATION ON MY REPORT BE REMOVED. I AM A VICTIM OF IDENTITY THEFT AND IVE TAKEN THE PRECAUTION OF ADDING A FRAUD ALERT AND PHONE NUMBER ON MY CREDIT FILE. THIS HAS NOT HELPED ANY AS SOMEONE CONTINUES TO USE MY PERSONAL INFORMATION TO KEEP APPLYING FOR CREDIT WITHOUT MY CONSENT. 
THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY FILE THAT NEED TO BE REMOVED IMMEDIATELY. I HAVE REQUSTED DISPUTE INTO THESE FRAUDULENT ITEMS MANY MANY TIMES AND TRANS UNION HAS NOT EVEN RESPONDED TO MY DISPUTE OR REQUEST FOR THE ITEMS TO BE REMOVED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

This was removed from my credit report in the past ( but under a different name ) - the original creditor was XXXX XXXX. More recently, this company Portfolio Recov Assoc added back the collections account to my credit report and continues every other day harassing me with phone calls. They NEVER sent anything to me prior to putting this on my credit report and do not even know the history of my account. I told them this and they sent me the last few statements from XXXX XXXX which show no account history. They are unaware this was solved in XXXX and 4 years they continue to harass. They are unaware this is from chargeback activity that was approved, that much later appeared again. XXXX rules even state max liability is {$50.00} if that was/is the case- do i really need to speculate with a speculative shady account that reappears under a new name when removed from the major credit reports. They have caused harm to my credit file that is quite substantial and have done so in an illegal way. Copy provided to State Attorney General and this is a similar case that CFPB has against XXXX XXXX ( one of their sister companies ).
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights Opp Loans XXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my righ

ts 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 an account without my written instructions
Consumer complaint received 2019-01-30
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. (MI)

TransUnion has had my account frozen and ... '' In Dispute " ..for over 12 months. I can not even get a response. I am on hold till they obey the law.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2022-04-22
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 1XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX  acct # XXXX 3.XXXX XXXXXXXX acct # XXXX 4XXXXXXXX acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-22
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. (GA)

In accordance with the Fair Credit Reporting act 1.XXXX  XXXX  XXXX acct # XXXX 2.XXXX XXXX XXXX acct # XXXX 3.XXXX XXXX acct # XXXX 4.XXXX  acct # XXXX have violated my rights. 

15 U.S.C 1681 602A. States i have the right to privacy.

15U.S.C 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 : I received a text message from " Chase Fraud : We declined {$810.00} with card ending xxxx at XXXX XXXX ... ... ''. 
I called Chase immediately and found out there's several unauthorized charges on my card back to XXXX XXXX. 

The most recent are : XX/XX/2022 XXXX - {$910.00} XXXX - {$820.00} I was told that I did not check my account and reported on time fraud activities on my card on XX/XX/2022. Chase is not responsible for any fraud after 60 days. As a result, Chase won't credit back unauthorized charges on XXXX XXXX by XXXX XXXX : - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims Department and was told Chase won't credit back fraud charges by XXXX - {$910.00} and- {$820.00}. 

XX/XX/2022 : I called Chase Claims and was told that my claims were closed. 

XX/XX/2022 : I went to Chase in XXXX. A representative called Chase Claims for me, and I was told that my claims are reopened and will be investigated. 

XX/XX/2022 : After almost 2 weeks, I still have yet to hear from anyone at Chase. I went back to Chase in XXXX. I explained my claims again, and a representative, XXXX XXXX, agreed to contact Chase Claims, and I was issued a notice that Chase won't credit back unauthorized charges on XX/XX/2022 by XXXX XXXX. - {$910.00}, and - {$820.00}. 
I called Chase XXXX and requested to talk with a manager. I was told that He " can't change the outcome by his end ''.
Consumer complaint received 2022-11-07
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. (MS)

Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 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 XXXXXXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX  XXXX XXXX  Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX