davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
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. (AL)

I have several hard inquiries on my credit report that I DID NOT make and Experian is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to Experian to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are XXXX : XX/XX/2019 XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 2019
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc. (WA)

I agreed to a payment plan with FH Cann and Associates.  After my first 2 payments were charged, I had to get a replacement bank card, which has a new number. 

For 17 days ( XX/XX/XXXX until XX/XX/XXXX ) of trying to reach FH Cann in order to notify them of my new account and update my payment information, I was unable to reach anyone at the company. They do not respond to emails. Their phone numbers typically go unanswered. 

One of their two publicly posted phone numbers simply cycles its introductory message with the notice that they are a debt collector, over and over, and does not allow the caller to speak to a live person, leave a voicemail, enter an employee 's extension, nor " press buttons for more options. '' There was no way to reach anyone at FH Cann in order to update my payment method on time, so my automated charge did not go through on my payment date. 

On XX/XX/XXXX I was finally able to reach a person via phone and resolved the immediate issue. However I still want to register a complaint about this, because it is terrible that we can not reliably reach this company to update our payment information or make arrangements.
Consumer complaint received 2019-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

My issue is with Equifax credit report and has been going on for a week+. 
While attempting to lift a credit freeze ( which took over a week because attempts to do this via automated phone, web, and multiple agents failed ), it was discovered that Equifax credit report is missing 38 years worth of employment. 

The agent told me to login to Equifax and add my current employer because they could not do that. The agent said neither of us could add employers beyond my current employer. 

I gave up speaking with the agent and tried logging in at my.equifax.com to update my current employer. I can not log in to the website even though the password, etc. is correct. The site says " an unknown error has occurred ''. 

I tried calling Equifax again re : the website error - the phone system asked a lot of questions but eventually told me to have a nice day and hung up in me, referring me to equifax.com. 

When I went to equifax.com, it redirected me to my.equifax.com where I'm getting " an unknown error has occurred ''. 

I basically have no way of contacting Equifax at this point to fix the problem.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello! I sent XXXX $ on XX/XX/2021 by swift wire transfer to my fianc because we are planning to make wedding but long time my fianc doesnt received it and then I recall my money back. But I DIDNT received the funds to my account back. I called to wire transfer investigation department and they are said that my option just wait. But I waiting almost one month and I dont want to loose my money. How can I see the track of the funds and where is my money right now?
Consumer complaint received 2019-09-29
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: NRA Group, LLC (AZ)

I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck
Consumer complaint received 2019-09-20
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)

I HAVE REVIEWED MY CREDIT REPORT AND I FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ok on XX/XX/ I received a auto message from Bank of America saying I had a balance inquery on my acct followed by a fraudulent withdraw of {$580.00} out of my acct. I live in XXXX XXXX CA and the withdraw says it took place in XXXX XXXX. I called BofA to close my acct and opened a claim that next morning ( employee # who helped XXXX ) only to receive a letter on XX/XX/XXXX saying my claim has already been closed. Which is telling me they didnt even investigate my claim. I just want someone to actually assist me with this fraud
Consumer complaint received 2023-04-05
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/2023 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-01
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. (GA)

Yesterday I went to the XXXX dealership and test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed a couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX-XXXX XXXX, XXXX
Consumer complaint received 2023-04-05
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. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2019-09-20
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: CITIBANK, N.A. (LA)

The following series of attempts have been made on my behalf to clear a fraudulent charge of {$160.00} from XXXX in XXXX, FL. All of the phone calls listed below were lengthy on wait time and I was passed from one customer service rep to another. 

XX/XX/XXXX I called and informed customer service that the charge was fraudulent. I was told it would be noted and taken care of. 

XX/XX/XXXX I followed up with another phone call and was told it was not noted as fraudulent and there was no indication of my earlier call. 

XX/XX/XXXX I wrote a letter to the Fraud Department at the address given to me at the time of my call. I never received a response. 

XX/XX/XXXX Another phone call and was told the case # is XXXX and it is being handled. 

XX/XX/XXXX Another telephone call with representative claiming that XXXX had handled the issue and credit would be forthcoming. 

XX/XX/XXXX No results, another phone call informing me that XXXX XXXX was the investigator handling the issue but he was unavailable by phone. 

XX/XX/XXXX - I called XXXX to ask for help and was told they could do nothing. 

XX/XX/XXXX Online chat with cc representative named XXXX who informed me the item was flagged and I will see a credit within 3-5 business days. Please be rest assured. I printed a copy of the chat. 

XX/XX/XXXX Online chat with representative named XXXX who informed me I do not have to pay the {$160.00} as it is disputed and a security credit will be applied to my account. I printed a copy of the chat. 

XX/XX/XXXX I wrote a letter to XXXX XXXX whose name I was given in the last phone call and received no answer. 

XX/XX/XXXX Telephone to representative named XXXX who informed me that the credit was issued on XX/XX/XXXX and would show on my XX/XX/XXXX statement. XXXX said the person handling this dispute was XXXX XXXX and I could reach him by mail. 

XX/XX/XXXX statement was received and included a late fee of {$25.00} for non payment of the FRAUDULENT DISPUTED ITEM. 

XX/XX/XXXX statement was received with no credit as promised by XX/XX/XXXX representative. And a late fee of {$35.00} was charged plus interest of {$1.00}. 

XX/XX/XXXX my third letter to XXXX XXXX ( name phone rep gave me ). 

To recap all of my attempts to resolve this matter with no success or even responses - 7 phone calls, 2 chats, and 3 letters.
Consumer complaint received 2023-04-05
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :
Consumer complaint received 2023-04-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XX/XX/XXXX Dear TransUnion, XXXX, XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : FRAUDULENT INQUIRIES : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-05-01
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. (AR)

These accounts are fraudulent : XXXX - {$610.00} XXXX XXXX - {$170.00} XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$92.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - {$2500.00} XXXX XXXX XXXX  - {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (DE)

Equifax is reporting false information Under The Fair Credit Reporting Act, 15 USC 1681 section 602 a, which explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy.

" As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Under 15 USC 1681 section 604 a section 2, 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' I have not given my written consent for Equifax, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution Equifax not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' Equifax never informed me of my right to opt-
out of information sharing.

Equifax reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures.

I am exercising my right to opt-out of Equifax reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information. I did not Authorize nor give my written consent to furnish these non account number transaction/ Inquires please remove Inquires at once. Equifax has not provided me with a physical original document of my signature giving to your company to furnish on my report. No changes has been made to my credit report their prior investigation CFPB XXXX no changes were done.
Consumer complaint received 2019-09-20
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. (NY)

I have recently received my credit report and realized there is an incorrect reporting on my credit file. Transunion is reporting an incorrect report from XXXX XXXX  on my credit file. I have sent correspondence to them on the incorrect information being reported on my credit file and have requested for them to remove the fraudulent report as it is hurting my credit rating. It does not belong to me and have requested its removal and complete deletion from my credit file.
Consumer complaint received 2019-09-29
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. (CA)

I have about 20 student loans that are reporting on my credit report. These loans definitely belong to someone else. I am not currently in school and I do not have any unpaid student loans. Therefore these accounts should not be reporting to my credit bureau. I sent an original dispute which removed these errors from 2 of my credit bureaus, but it still is visible in one of them. These should be removed from credit report ; they do not belong to me.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX someone took XXXX dollars out of my acct via our " debit card '' through an ATM at BOFA in XXXX AZ ... it happened 2 hours prior to my call and I had our bank card in our pocession the entire time ... BOFA credited my account and then took it out later stating fraud was not committed ... and closed out the claim ... all they said when asked how they came to the conclusion was that chip was read ... ..I asked about video surveillance and was told they NEVER did it ... .they suggested I call Police which I did ... 
Still no resolution ... .now it's thievery on BOFA because they stole my XXXX dollars without proof of fraud!!! Until I have resolution I am filling a complaint with Federal Reserve and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing did not issue a Deed of Reconveyance or Lien release for a HELOC that was forgiven/cancelled on XX/XX/XXXX. On XX/XX/XXXX I contacted Specialized Loan Servicing to provide a payoff request or deed of reconveyance for the cancelled HELOC, however, as of XX/XX/XXXX I haven't received any of the documents requested. The only communication I received was a letter from Specialized Loan Servicing on XX/XX/XXXX stating that the Lien release is in the process and " the copy of the lien release will be sent to you under a separate cover ''. I have been calling ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get a status of the lien release. The company is not willing to give me a timeline on when I will receive the lien release.
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tormey Bewley Corporation (CA)

I Checked My Credit Report Today XX/XX/2019 and I found a Open Collection Account from XXXX XXXX XXXX XXXX and it says open and I owe {$0.00} due to Bankruptcy Ch XXXX. However its still hurting my credit due to the account staying open and reporting every month. This Account is Not Open! This needs to be fixed ASAP!!!
Consumer complaint received 2023-04-05
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX made a deposit on Bank of America ATM in XXXX for {$300.00} the ATM had a glitch and was unable to accept the deposit or return the deposit The ATM had a message saying there is a problem with this ATM and asked for me to enter the deposited amount which I did, 2 weeks later Bank of America took the money from my account and are saying they're unable to file a claim on this issue since it's a branch problem refused to help or even give me any information or options on how to attempt to get my money back
Consumer complaint received 2019-09-20
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: BARCLAYS BANK DELAWARE (AL)

XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are Barclays Bank Delaware : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX