davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX. I never had any service from XXXX, so this must belong to someone else.
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (TN)

This about Binance.US cause I was told the platform was a good site to invest and earn money which I did put my money for buying of bitcoin and that was a success so when it was time for me to remove my money and put into my business I notice I couldnt get my money out of the account and I tried contacting the customer care support since over a months now I havent gotten any reply from them and this seems like a scam to me putting my money on a platform and not been able to get it out its not a proper thing for the company to held someone elses funds without no reason XXXX my business is falling and I need to invest and put money into my business but I cant get the money out of Binance.US platform ... XXXX my ticket ID number # XXXX. I will be glad if this issue is resolved soon and I can get my funds of the platform cause havent been sleeping for awhile because of this issue and my business is also falling and not happy at all is like the company wants to take my hard earned money from me.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove from my credit report.
Consumer complaint received 2022-03-28
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2023-07-18
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. (CA)

I'VE BEEN HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT WERE DUE TO FRAUD. I'M ATTACHING MY FTC REPORT ALONG WITH MY POLICE REPORT FOR THIS ITEMS TO BE DELETED.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

After reviewing the investigation results from XXXX, XXXX, and Experian from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to XXXX, XXXX, and Experian. You are in violation of FCRA 607 ( B ) accuracy of report.

After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for Experian also this account is not reporting on XXXX XXXX XXXX XXXX Experian, please delete this account. 

2. XXXX XXXX Acct # XXXX last verified XXXX has a date of XX/XX/XXXX and Experian and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of XXXX violations 3. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of XXXX violations. 

4. XXXX  XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and account status are inconsistent. Total of XXXX violations. 
5. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of XXXX violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently XXXX violations. I want these 5 accounts deleted from my consumer report. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.
Consumer complaint received 2022-03-28
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)

XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to XXXX XXXX the contract was determined to be either incorrectly stated or omitted for XXXX XXXX contract by dealer. This was not my error and XXXX coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned XXXX XXXX  on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Consumer complaint received 2022-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After reviewing the investigation results from Transunion, XXXX, and XXXX from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to Transunion, XXXX, and XXXX. You are in violation of FCRA 607 ( B ) accuracy of report. 
After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for XXXX also this account is not reporting on Transunion or XXXX XXXX XXXX, please delete this account. 

2. XXXX XXXXXXXX Acct # XXXX last verified Transunion has a date of XX/XX/XXXX and XXXX and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of 11 violations 3. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of 12 violations. 

4. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date opened and account status are inconsistent. Total of 11 violations. 
5. Department Ed Acct # XXXX last verified TransUnion has XX/XX/XXXX and XXXX and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of 12 violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently 57 violations. I want these 5 accounts deleted from my consumer report.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NH)

I am writing a complaint to you all because of the run around Ive received from Synchrony Paypal Mastercard customer service as well as the massive issues with their application. I made a payment to pay off this card. Due to the application slowness, it didnt show it was taken so I made another one. And LO and behold, there were 2 payments taken out! One for XXXX and XXXX for XXXX. I called and was told a check would be sent in 10-15 days?? Unacceptable. So I scramble around to cover the bills coming out and then I wake up this am to find XXXX taken out twice! SO now my cking acct is short another XXXX which again adds more issues to covering my debits being taken out! I cant believe they still pulled my automatic payment when I paid this off and also when I had just spoke to someone who knew the issues and didnt check to see that an automatic payment was being pulled?? I called XX/XX/19 at XXXX Est and spoke to XXXX and then XXXX ( supposedly a supervisor with no soft skills ) and  XXXX just kept calling me XXXX and told me she didnt see any payments for XXXX and then back pedaled and said she did see one and that it was an auto payment and she couldnt do anything and that I had to call my bank. I am filing with the XXXX XXXX XXXX as well. Their practices are ridiculous and they leave their clients without any other resources.
Consumer complaint received 2022-03-28
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: Experian Information Solutions Inc. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Superior FCU should not be reporting to Equifax ; XXXX  and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Starting on XX/XX/2015, OCWEN Loan Servicing stopped sending my monthly statements. When I called to ask why I was informed that because of my bankruptcy discharge they were no longer mailing it. I have not declared bankruptcy. I called their main number and after dozens of frustrating calls, I finally spoke with one of their reps. and she promised that she would help me with my concern as sure enough I received a phone call about two weeks later. She was very apologetic about what had taken place and I even received a letter from Ocwen stating that this had been their mistake. My statements began to be mailed to me again and I thought this was behind me. Well, Ocwen no longer services my account. It's now PHH mortgage services XXXX XXXX XXXX XXXX XXXX, NJ XXXX and guess what, we are right back where we were again. I called PHH on2 maybe 3 separate occasions and the last time I spoke with what has to be one of the most rude persons I have ever spoken to, said ( paraphrasing ) get a lawyer and take us to court. I don't know what else to do. Can you help me? 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-26
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 am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (TX)

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion is currently reporting a fraudulent Tradeline on my report. Tradeline in question is XXXX XXXX XXXX, account number XXXX. This Tradeline has been fraudulently reporting on my TransUnion consumer report for a while. Ive been in contact with the alleged creditor to let them know this is a fraudulent item. They insist that this alleged debt is mine and the only thing they have provided me with is copies of statements. Nothing that proves this account belongs to me. The even took me to court and was awarded a judgment on a fraudulent Tradeline that does not belong to me because I missed a court date and all they want to do is take advantage of consumers. Im providing several police reports indicating Ive been a victim of identity theft since 2011 along with an FTC identity theft affidavit. Delete this fraudulent Tradeline from my transunion consumer report.
Consumer complaint received 2022-03-28
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: Affirm Holdings, Inc (FL)

In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting XXXX fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account all XXXX with balances reporting on my credit. I did not authorize nor did I open these accounts.The XXXX Affirm accounts are reflecting past due balances for a total of {$1900.00} and XXXX XXXX XXXX XXXX is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with Affirm or XXXX XXXX XXXX XXXX. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three Affirm accounts as well as the XXXX XXXX XXXX XXXX account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted XXXX XXXX XXXX XXXX and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All XXXX accounts, XXXX Affirm accounts and XXXX XXXX XXXX XXXX XXXX account do not belong to me and should be closed and reported as fraudulent.