davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (MD)

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, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$260.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

An inquiry was done. On my credit report. By, the credit bureau. Credit bureau charges a service. For a unknown result. In, a personal. Matter of a not known result. 

Please do not forward attachment 's. 
Please do not forward e-mail 's. 

Please download attachment. Then send in another e-mail.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WA)

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting XXXX XXXX XXXX as a creditor. The Convergent amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with XXXX. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in XX/XX/2006. This is clearly identity theft.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to change my flight with the airline. I contacted the customer service department and was put on hold for an hour without anyone helping me. I disputed the charge with the credit card company and was refunded the money. The airline decided to respond to the claim AFTER the trip was scheduled and the credit card charged my account again. This is very deceptive. I should not have been refunded the money only to be charged AFTER the flights were to take place.

Document attached is what was sent to me by the back. It states I was a no show. I was refunded the money therefore I didn't think it was legal for me to use the ticket. I would have been stealing from the company.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted Equifax 10 times by fax and by phone to correct my personal information { 1 } My name XXXX XXXX XXXX XXXX thats it nothing else. they have goverment I D 2 of them to prove its me Next for safty its addresss they keep listing XXXX XXXX XXXX  XXXX Ca I never lived there. next one is XXXX XXXX XXXX XXXX Ca Never lived there. I have5 inquires that I did not make I have had identity theft XXXX, XXXX, XXXX, XXXX Again, XXXX I did not make these They have copy of police reports all the way from 2008 remove them
Consumer complaint received 2022-09-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I went to ask at a BOA agency, XXXX XXXX XXXX, XXXX, FL XXXX, about a {$500.00} bonus promotion if I opened a checking account with them. I went and asked why I already had a savings account but not a checking account, and they told me that this promotion was valid for me. At that time the agent told me to open the checking account with even {$100.00} and then deposit the {$50000.00}. I gathered the money and on XX/XX/2022 I spoke with the agent and he told me to deposit it. I asked an agent at the same bank and he told me to deposit it wherever I want because it was the same to do it in the current or in the savings bank, the important thing was to have the money and not move it. I gave the check to the teller and they deposited the money in the savings account. I did not decide in which account I was going and I was calm. I waited 90 days and I went to the bank to ask about my {$500.00} bonus and they told me I had to wait another 60 days to deposit that money. Wait 60 days and nothing. Then I go to the bank and they tell me that I should call and make a complaint. I called on XX/XX/2022 and spoke with XXXX, she told me that she was going to make a written complaint and that she call today XX/XX/2022 to see the result of the complaint. Today I call and XXXX answers me saying that the claim has been denied since the clause of the contract says that they only give me the {$500.00} if I deposit the money in the checking account and that he can not do anything else, however, he told me that he was going to try to make a complaint again and expect a new response for the next week. I consider that to be a fraud. I am very upset because I went to the bank quite often and they told me that the account did not matter. Now they come to me with this story. I lost my money and now I don't know what to do. 
To make matters worse, BOA does not give me any claim number, but I have to tell the whole story every time someone attends to me
Consumer complaint received 2021-12-07
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection : XXXX - XXXX {$1900.00} -XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

contacted TRANSUNION 10 TIMES BY PHONE AND BY FAX TO GET MY NAME RIGHT THEY SEEM TO NOT BE ABLE TO GET IT RIGHT My name is XXXX XXXX XXXX XXXX just that name may be you can get them to get it right thank you
Consumer complaint received 2018-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (OR)

I have received a debt owed with no notice, first noticed it on my credit report which lowered my credit score. This is a debt from XXXX XXXX for services from XXXX Im told. I did not have a internet account since XXXX. Moved in XX/XX/XXXX from this address. I have contacted this debt collection company for information on this debt 3 times asking for validation of this debt and receive 3 different answers, we never sent it to you, Yes we sent it to you we cant send it to you til we hear from XXXX XXXX XXXX. Meanwhile my credit is destroyed my this. This came to my attention XX/XX/XXXX and still no validation or corespondence. The companys name is EOS CCA XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Debit amount {$310.00} XXXX XXXX
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (KY)

On XX/XX/2018 I received correspondence from JCPenny, XXXX XXXX XXXX, XXXX FL, XXXX. On the envelope it states, " Important Information about your account ''. On the inside their is among other things, a XXXX XXXX Section 1 : Rates and fees table, JC Penny Credit Card Account Agreement. I have never had a JCPenny account, have never authorized JCPenny to open an account, or authorized XXXX XXXX to open an account in my name at my address.

I think they are fraudulently creating accounts.
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AL)

IC Systems is charging me {$890.00} on an old XXXX XXXX debt. The original debtor started in XXXX.However, when I log onto my credit report, IC Systems is showing the debt starting in XXXX. This is the incorrect time frame. The original debt started in XXXX and this should be removed from my report after 7 years. They need to update the date of the original collection.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (CA)

there was letter dated Month of XX/XX/XXXX to XXXX XXXX requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from XXXX with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the XXXX XXXX asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent XXXX XXXX  on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that XXXX XXXX have took to ad the negative information on my credit according to fora law how ever XXXX was not success full to remove the information the respond was over 30 days from XXXX the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the XXXX XXXX failed to resolve this issue again the XXXX giving the sad excuses to not remove this account
Consumer complaint received 2020-12-14
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: PRESTIGE FINANCIAL SERVICES INC (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PRESTIGE FINANCIAL, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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 2022-06-12
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)

No action taken by XXXX XXXX after I was referred to the fraud department. They took my name number and account info and never followed up and the negative item is still on my account. They never conducted an investigation even after they told me they would do so. 

Transunion credit bureau took my disput complaint and never contacted me again.
Consumer complaint received 2022-10-18
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: United PanAm Financial Corp. (PA)

ON XX/XX/ I ENTER INTO A INSTALLMENT CONTRACT AND SECURITY AGREEMENT WITH XXXX XXXX WHO IN THAT SAME DAY TRANFERED AND SOLD MY CONTRACT TO UNITED AUTO CREDIT... .I PUT DOWN XXXX $ CASH TO XXXX XXXX XXXX THE REST OF THE PAYMENTS WENT TO UNITED AUTO CREDIT , AFTER LOOKING THROUGH THE CONTRACT I DIDNT SEE ANY RIGHTS TO RESEND MY CONTRACT, SO THEY FAIL TO DISCLOSE RIGHTS OF RESCISSION ALONE WITH A HOST OF OTHER VIOLATIONS THAT YOU WILL SEE IN THE DOCUMENTS THAT I WILL BE UPLOADING ... .UNITED AUTO CREDIT REPOED , MY CAR AND TOLD ME THEY WOULD BE SELLING MY CAR, I SENT UNITED AUTO CREDIT AN AFFIDAVIT FACT EXPLOITING THEIR VIOLATIONS ALONE WITH THE CONTRACT I RECEIVED FROM THEM .....
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

I have called Sallie Mae 3 times within 6 months about getting my loan repayment lowered and extended longer. They said no that I have to pay {$360.00} every month. I wanted to get it lowered to like {$150.00} a month because I can't pay {$360.00} a month. They said if I didnt make the payment by the due date collections would call me and give me more options. Sallie Mae told me they would work woith me on my payments and they say have been Helping American Students for decades. That's false advertising because they don't help at all, they rip us off and tell us false information.
Consumer complaint received 2018-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IN)

Yesterday XX/XX/XXXX I went into purchase from Lowe 's and was told my line was decreased by {$5000.00} mind you, I have been with this company since 2000 and have paid in full many times never ever going 30 days past due, so i called as i was in the store and was told by a woman in another area of the world that i could request credit increase missing my point entirely. Then was transferred to a supervisor who had no clue really what my complaint was just to say it was my score that they determined and was made on XX/XX/XXXX after explaining my issue that I have been with them for over 18 years I was told there was nothing he could do ... and was he very basic, monatone not understanding SO i then asked for another supervisor and was told that he could not do anything except escalate what i just told the the last supervisor which makes no sense, do they even understand what i was asking for? I know for a fact that credit companies can make decisions to turn the line back on, extend and reinstate just like that. I do NOT believe that they can just pass the buck and act like I am nothing after paying over {$50000.00} + to them- I guess what I am saying is if goes by credit do they not look at the history with them on my credit? I will be taking my business elsewhere.
Consumer complaint received 2020-05-27
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. (MO)

After notifying the 3 major credit reporting agencies of the theft and mishandling of my identity, I've demanded the following unauthorized accounts to be removed from my credit file. I've also demanded all evidence collected in your investigation of these accounts. Knowingly knowing that electronic verification can not be accepted as proof. So I'm requesting physical documentation of such. If not please remove & block the following unauthorized accounts.

1 ) XXXX  XXXX  2 ) XXXX  XXXX  XXXX  {$21000.00} 3 ) US Dept of Education {$7500.00} 4 ) US Dept of Education {$4300.00} 5 ) Dept of ED/ XXXX  {$6000.00} 5 ) Dept of ED/ XXXX  {$3500.00} 6 ) XXXX  {$1100.00} 7 ) XXXX  XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (FL)

I reached out to my Car financial company ( AMERICAN CREDIT ACCE ) and advise them that they haven't reported my current payments in the last 2 months to all 3 credit bureau. and the balance on all 3 bureaus are incorrect.