davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have an active loan with XXXX XXXX that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with XXXX XXXX that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that XXXX XXXX had the court information. 
XXXX XXXX continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc. (TX)

On the XX/XX/XXXX I was notified that I'd received an adverse action denying me access to XXXX. I clearly asked who reported the XXXX? And the representative stated that the Courts reported this to Resident Verify. I contacted the Court directly and they clearly stated that they " DO NOT REPORT TO ANY CREDIT REPORTING AGENCIES PERIOD ''. AND THAT THEY DO NOT VALIDATE ANY ALLEDGED DEBT NOR CAN THEY VERIFY THE ACCURACIES OF ANY FILE THAT SOMEONE GET FROM SEARCHING PUBLIC RECORDS ''. 

I INFORMED RESIDENT VERIFY THAT I WANTED TO DISPUTE THIS AND THEY SAID THAT I CAN'T DISPUTE IT AND THAT I WOULD HAVE TO GO TO THE COURTS AND THAT IT WOULD CONTINUE TO STAY ON MY REPORT EVEN IF I DISPUTE. 

I informed resident verify that I wasn't even staying at XXXX at the date they gave and that i had proof to back that up that I was no longer a resident at that time and that I had proof directly from the Apartment complex directly from my move out sheet sent to me via email from XXXX  and that I had moved out, did a walk through and turned in my keys on XX/XX/XXXX and Resident Verify stated that I was XXXX  XXXX the XX/XX/XXXX. 

I clearly explained that you can not XXXX  a person that has already moved out and turned all possession of the property over to the Owner ie Management. 

Resident Verify stated that they're going to continue to report it even after I asked them to validate the debt from directly from the courts and not from public records because they can not be Validated and or Verified as true and correct because the Courts do not report nor will the Court attest to the Accuracy of any Public Records.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

LVNV FUNDING LLC ( 12 XXXX XXXX XXXX XXXX   ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-05-18
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: Resurgent Capital Services L.P. (GA)

Resurgent capital services is stating that I still owe XXXX dollars on a charged off account and an account paid thru a settlement offer with XXXX XXXX. Also, on my credit reports, it shows this account being opened on XX/XX/XXXX which is wrong. It shows the XXXX delinquency on XX/XX/XXXX, how is that possible? It also shows that the date of major. delinquency XXXX reported is XX/XX/XXXX. Really? This account was opened on XX/XX/XXXX which is over 9 years ; too old and too long to be reporting on my credit reports. Resurgent is a fraudulent credit reporting agency that reports consumers information for wa_yy too long, especially minorities, but I am definitely going to share this same information to their corporate office as well.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a checking account with Truist, previously SunTrust XXXX XXXX XXXX. Since truist took control of whenever I deposit a check they would hold my checks, every single check and then continuously charge we overdraft fees when a transaction comes in. By the time the hold is released 60 % of my deposited funds are being eaten up in overdraft fees. I'm tired of complaining to them, and they say that they will fix the problem and refund the overdraft fees but they never do and it keeps happening. I never had an issue with SunTrust, back in XXXX of 2022 they even closed my account without informing me, and held my funds for weeks.
Consumer complaint received 2020-02-29
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. (NJ)

Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/XXXX I called Citizens bank to change the auto-debit checking account number associated with my payments ( I recently moved from a XXXX XXXX checking account to one with XXXX XXXX XXXX XXXX ). During this call the representative instructed me to setup an new account with their online payment portal linked through their website. After completing this setup the representative confirmed I was good to go and payment would now be deducted from my new checking account ( with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX my payment, {$540.00} was deducted from both my XXXX XXXX and my XXXX  checking accounts and both payment appeared on my loan account with Citizens Bank. As I was on vacation I was unable to call until XX/XX/XXXX when they told me I had to wait until Tuesday to even file the claim and then it would take 7-10 business days for the claim to go through and them to MAIL me a check, this is after they insisted that the transfer was not an auto debit despite me not ever logging into my account or calling them since the XX/XX/XXXX call.

Citizens Bank took {$540.00} from a checking account they no longer had a right to access and insist that they can take weeks to refund the money, this is unacceptable as I was expecting that money to be present in that account. I escalated to a manager but they insist they are unable to do more, to date all I have received notice of is that the claim has been filed, this is at 4 days post notice and 15 days since the unauthorized transaction.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during XXXX. All late payments need to be removed immediately and display status PAID AS AGREED. 
Account name : XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Account name : XXXX  XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-29
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: TD BANK US HOLDING COMPANY (NJ)

XX/XX/2019, I notified Nordstrom about 2 pages that I ordered on line. I called XXXX XXXX 5 times and Nordstrom did 3 investigation through XXXX. I, still being harassed by Nordstrom in California. Im XXXX by the State of Nj, just because my neigbors  at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. Admitted they stole my packages XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX stole my packages along with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX along with my NJ motor vehicle drivers license and social security card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTACKED MY PHYSICALLY 3 TIMES XX/XX/2019, XX/XX/2019 MY HEAD WAS BANGED TO THE HARD CONCRETE, XX/XX/2019 IN FRONT OF THE XXXX TOW TRUCK DRIVER. IM IN A D XXXX SCAM I ANSWERED AD ON XX/XX/2019. I trported my identity theft and nothing has been done, by the XXXX County police department or the courts.
Consumer complaint received 2020-02-29
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: Experian Information Solutions Inc. (NJ)

Please delete these inquiries from my report. 

XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/2021
Consumer complaint received 2022-12-27
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (DC)

National credit adjusters removed an account from my credit report after paying for delete in 2023. Today, the account has been added back to my XXXX credit report. I have disputed the record and asked for it to be removed according to the terms, but I was not successful. I am requesting that this account be removed from my credit report.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I have an active loan with GM Financial that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with GM Financial that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that GM Financial had the court information. 
GM Financial continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.
Consumer complaint received 2020-02-29
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

I have an issue with Well Fargo bank. They are reporting on my credit something is over XXXX years old and need to be off. I have been fighting them since XX/XX/2021 on this and they just wont budge. The credit report even shows 8 years and 3 month I mean come on 7 years it is suppose to come and it not. Why do they get to change the law to 8 plus years? I did my research and I know it still 7 years so this need to be remove ASAP.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

So the XXXX of XX/XX/2021, I Received a phone call when I heard the voice with accent I hang out, then was a second call and the person on the phone told me his name and that he was calling from my bank to confirm that I was on vacation in another state l said not Im not then he said their trying to used your card, and he asked if I had the card with me I said of course, then he had all my information thats why trust him, he said Im going to block this transactions, Ill send you a code and you give me the number to cancel it, he said you going to see them in sistem but is because Im canceling so I did give them the numbers but later I looked that my savings were moved so I hanged out and call right away to my bank and the lady who assisted me told me they still trying to make more transactions, I got scared and this lady took the report and 3 weeks later my bank send me a letter that it said my claim was denied and closed, Im so upset about it they cant just say forget about your XXXX dollars, I reported on time what was my mistake? That was 36 transactions that they made and the bank didnt see anything suspicious and they charge me even for the overdraft.
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX XXXX NEVER LATE
Consumer complaint received 2021-08-30
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. (MI)

I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.
Consumer complaint received 2021-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mahomes Capital (FL)

On XX/XX/2021, I received an unsolicited piece of mail from Mahomes Capital ( https : //www.mahomescapital.com/ ) telling me " You have been pre-approved for a debt consolidation loan for up to {$32000.00} at 3.06 % interest rate. '' No where on this financial offer does it say that it is subject to further credit review. Upon calling the company, they told me to apply and see what comes back. I explained that it clearly states I am pre-approved for 3.06 %. He said it depends on your credit score and other factors. 

I told him no where on here does it say that it is subject to further credit review. Additionally, It shows my current debt obligations and average interest rate with my current total of minimum monthly payments. Next to that, it shows the terms of the new loan under the word " New '' that shows a consolidation loan for {$32000.00} with an interest rate of 3.06 % and a new minimum payment of {$120.00}. 

Additionally on the front of the envelope, it says in bullet point : - One low FIXED monthly payment - 3.06 % interest rate - FREE Consultation - NO upfront fees Again it does NOT say interest rates AS LOW AS 3.06 %. It clearly states the interest rate IS 3.06 %. Nothing in this solicitation would lead a reasonable person to believe they would receive an interest rate other than 3.06 %. 

No where does it say this is just a teaser and that the rate is subject to further credit review to determine the actual terms of the loan. This solicitation is highly deceptive and when I advised the gentleman I was speaking to that this was the case and that I don't believe it would pass the smell test of the CFPB, he said he's been doing this a long time and he knows what it says. He kept interrupting me and talking over me and would not let me read the exact verbiage to him. He said he would not continue the conversation and hung up on me. 

I work in the XXXX  XXXX  and this solicitation is purposefully deceptive and it is absolutely a bait and switch.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is harassing me nonstop for marketing purposes, having nothing to do with my credit card or its account. They are trying to obtain information on my income, investments, etc. When I login to my credit card account I have to click through a pop-up that tries to solicit this information. They send emails to my personal email account. And most recently, they have been leaving dozens of messages on the answering machine of my home telephone.

I am not interested in additional financial services from Bank of America, and I consider all of the information they are attempting to collect as private and none of their business. They are inappropriately exploiting contact information they have on me, turning it over to their marketing department, and harassing me. Please tell them to cease and desist!
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Credit card has been charged since XX/XX/10 from XXXX XXXX, on line. Bank of America has reimbursed charges and changed credit card 3 times since. XXXX  continued to make fraud charges, from {$1.00} to {$8800.00}. BOA refunded all the small charges and decline the claim for the {$8800.00}. I closed the account but they are charging me for late payments