davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I went to withdraw money at an XXXXXXXX XXXX  atm with my bank of america paycard and I was going to withdraw {$160.00} dollars with the atm charge of {$2.00} it would be a total of XXXX. I received a decline transaction receipt. I thought maybe the atm was having issues so on XX/XX/25 I went to a XXXX atm to withdraw there. I checked my balance to make sure I put the right amount and it tells me I have a XXXX balance. So I went to check my account online and it shows I withdrew the {$160.00}, which in fact I did not. I calls bank of america customer service number XXXX and the ask for my card number to verify my identity then get all the info on my issue, also charging me XXXX because the balance was relayed during that call. Then tell me that they have to transfer me to the claims department, first call I wait 3 hours and finally they answer and I tell him I have been on hold for so long and he hangs right up. I call a 2nd time the next day 2 hours and 54 min wait time and a gentleman answers and I tell him what I am calling about and he says he is placing me on hold and hangs up on me. Third call 3 hours and 20 min hold time and a lady answers gets my card number and verifies my identity and I tell her all about the dispute I want to submit and she tells me that she is processing the claim and hangs up on me. Meanwhile they charge XXXX per customer service call, plus the XXXX cents everytime I call the number where they transfer and this is because the auto system tells me a balance. I am on my fourth call to them now and currently on a 1 hr 45 min wait.
Consumer complaint received 2020-11-07
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. (FL)

I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.
Consumer complaint received 2023-01-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I submitted documents to all three credit bureaus requesting to UPDATE AND REMOVE MY PERSONAL INFORMATION. I submitted my drivers license as well as a utility bill as a proof of address. However, old addresses are STILL on my credit report. I also submitted letters requesting for verification of items. I have not received a correspondence from either bureau regarding my dispute. The credit bureaus have 30 days to investigate and it has been WELL over that time frame. This is a clear VIOLATION of my rights as a consumer. I want EVERYTHING THAT I DISPUTED REMOVED OR I WILL PURSUE A LAWSUIT FOR VIOLATING MY RIGHTS. As a consumer and per FCRA., ALL items should be REPORTING ACCURATE.
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Synchrony Bank closed my XXXX credit card through XXXX  as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. 

The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. 

I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have attached additional documents for case # XXXX. 

CFPB XXXX closed this account without resolving this with Equifax. Equifax is NOT releasing me from this account even though it has been resolved and closed, with a zero balance. I want your help on how can this matter that has been resolved be active. The following agencies, XXXX and XXXX ( see attached credit reports ), have updated the information correctly with a zero balance, and they are not defaming my credit, only Equifax. This doesn't seem to be good on credit, and I am asking you to do the right thing, so the information is cleared with a zero balance.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (TX)

I was charged a {$38.00} dollar overdraft fee on XX/XX/19 for a {$60.00} draft on XX/XX/19. After the {$60.00} draft on XX/XX/19 the balance shows more than {$1200.00} in the account. The bank 's customer service line says they did nothing wrong. I need help recovering this fee please. {$38.00} may not seem like a lot to the bank but it's a lot to this middle class consumer.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

I contacted both the collection agency and XXXX XXXX where the bills were incurred. So, I contacted XXXX XXXX XXXX @ XXXX and XXXX XXXX @ XXXX and uploaded the proof I have from NC State Medicaid stating that I indeed had Medicaid at the  times. So, they stated that I didn't show my Medicaid card at the time of the procedures, which two were done at XXXX XXXX Hospital and the one that was deleted was done at their facility, which is not true, because all the years that I've had Medicaid, I have never forgotten to give my card to the health provider and Medicaid can attest to this, because we have never encountered this problem before. Medicaid stated they were not going to retract and pay because the provider didn't submit the bills in a timely manner and it wasn't my fault that they didn't do so. So, I contacted the credit bureaus and gave all the information to all of them and disputed the the charges. They deleted one of the bills, but not the other two. So, I called XXXX when I received the results and asked why only one was deleted and they stated that they didn't know why and for me to call the collection agency and that I should contact Consumer Financial Protection Bureau, if I couldn't get it resolved after talking to the collection agency. So, I called and to their surprise they had no idea that one had been removed and that I needed to pay the bills, so that's when I called CFPB.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

Unable to open an account with Truist Bank. An account was open fraudulently with the previous name ( BB & t ). Also, a bank account was opened fraudulently with XXXX bank. I have been a victim of identity theft for the longest and it's not fair to me because I can not obtain accounts when I go to apply for an account. People can steal identity and get away with it, and it will all fall on you. XXXX.
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

My taxes were taken to pay a XXXX balance 2years later the department of education said I owed this again so I paid it again from money given to me during COVID recently I was interested in returning to school and they are now saying I owe and additional XXXX $ and I shouldn't owe anything something is wrong please help
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Chime Financial Inc (FL)

Chime have a hold on my account and will not take the hold off of my account I send them everything they ask for 5 or 6 time and the still want give me my money I don't know why they want give me my money because all I get is a once a month check because I receive ssi and I need my money to survive please help me if you can
Consumer complaint received 2020-11-10
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: Total Card, Inc. (GA)

I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.
Consumer complaint received 2020-11-07
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: Rocket Mortgage, LLC (FL)

Hello I am shopping around for mortgages on purchasing my first home and on XX/XX/XXXX I called XXXX XXXX XXXX to get prequalified and they rightfully ran my credit score and of course a hard inquiry was placed on my report. After 2 days on XX/XX/XXXX since I was under the impression that I have 14 days allowance to shop for mortgage rates without hurting my score I called QuickenLoans to ask for rates and I specifically requested three times to not ran my credit score and they assured me that no new hard inquiry would be posted. I specifically requested confirmation and I have proofs for that since the call was recorded. When I checked my credit report today, I found out a new hard inquiry from QuickenLoans on XX/XX/XXXX. This inquiry is illegal as I didn't gave my authorization to be run again and they confirmed me that it won't show up as a new hard inquiry. I demand for this inquiry to be deleted. Please help me and let me know if you need any additional info
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file.SMALL BUSINESS ADMIN XXXXXXXX Date opened XX/XX/2016 Balance : {$23000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/2020.
Consumer complaint received 2021-02-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (FL)

I have got many calls from XXXX XXXX XXXX ( XXXX ) staff XXXX XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report XXXX, I found out that XXXX is faking to be XXXX member using a fake certification # on their website. XXXX Executive director has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that XXXX is not a member. Please see attached email communication. 

When I called XXXX to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, XXXX  XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX  and Attorney General. Thank you.
Consumer complaint received 2019-04-23
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. (MN)

TRANSUNION COMPLAINT XXXX MY QUESTION IS TO YOU IS THAT YOU SAID THE COMPANY VERIFIED IT WHAT YOU DIDN'T ANSWER IS HOW IS THIS POSSIBLE?? WHEN THE STATUS UPDATE STILL SHOWING A PRIVIOUS MONTH HOW IS THIS POSSIBLE DOS N'T LOOK LIKE THIS ACCOUNT WAS VERIFIED PLEASE DELETE THIS ACCOUNT THE STATUS UPDATE SHOULD HAVE SHOWN XX/XX/2019 2019
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

Hi, On XX/XX/2022, Monday morning I went in to pay my New Rez Mortgage # XXXX. I was charged a late fee. Since XX/XX/2022 fell on a Saturday, I should have been afforded the allowance to pay the payment on the next business day without penalty, that being XX/XX/2022. I have never had this issue previously, with this mortgage nor any other mortgage I have ever had. I fail to understand how New Rez has the ability to accept or transact payments on a Sunday as the Fed and the banks are close. How much does New Rez earn from this slight of hand
Consumer complaint received 2019-04-23
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MS)

My name is on a refinance Mortgage that I did not give consent to be on.Mu ex wife XXXX did not turn in her quick claim deed and I have been remarried for 23 years now.My wife ( as of today ) which is XXXX XXXX, we are unable to get a house in my name because of this problem.I need this removed from my credit as soon as possible unless someone is going to be in a lot of trouble with a law suit on their hands.It is very important that this matter is cleared immediately.Thanks in advance. XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AmeriCollect (SC)

Ive reached out to this company several of times to resolve this illegal and unethical behavior. They are reporting an fraudulent account to my credit that was already paid. This fraudulent company purchased this old debt from the original creditor, used scare tactics which is in violation of the FDCPA to collect on a debt that was already paid for. They are reporting this negative information to my credit and it is causing great stress emotionally and financially. I will be forwarding this over to my local attorney general, I will be reaching out to an attorney to file a lawsuit for damages and wages and I will be speaking with the media to have them investigate this fraudulent company. Ive asked them on several occasions if I owe the debt prove it, provide me with proof of debt and they refused, the agents were very rude. I am giving them 30-days to resolve this issue otherwise I will proceed legally against them.
Consumer complaint received 2020-11-07
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. (TX)

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (NC)

XXXX has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called XXXX about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.