davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (OH)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 


XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

XXXX. Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-07
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. (LA)

XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : LVNV FUNDING LLC Account number : XXXX
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (MI)

The following are not authorized charged by PNC credit card and have been reported but not resolved yet. 
{$420.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX {$220.00} on XX/XX/XXXX for the office visit of XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, PA XXXX
Consumer complaint received 2019-07-07
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. (LA)

XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.
Consumer complaint received 2019-07-07
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. (NM)

My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. 
( b ) Amendment of section No other provision of law, enacted before, on, or after XX/XX/XXXX, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. 
( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee.

( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : XXXX XXXX XXXX FOR {$3900.00} IC SYSTEM FOR {$540.00} XXXX XXXX FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a Total and Permanent XXXX ( TPD ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/XXXX for {$3900.00} ; one last reported XX/XX/XXXX for {$26000.00} and one last reported XX/XX/XXXX for {$270.00}. The others correctly reflect the TPD. 

Finally, one last reported by XXXX XXXX XXXX on XX/XX/XXXX for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XXXX, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was scammed and money was stolen from both of my savings accounts and XXXX to a random person. Within minutes I filed a claim with Bank of America and they said I may have a great chance of getting this money back and that they could even see what bank and account this money went to. After 90 days or so they responded denying me the return of all of my savings saying it was my fault the money was taken and they cant do anything about it. Absolutely unacceptable. Why would anyone bank with an establishment that does not protect its customers? I am not living in poverty due to that money being my money for moving as I was about to move out of state.
Consumer complaint received 2020-09-25
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)

XXXX  and Experian are fraudulent on my accounts : XXXX XXXX is fraudulent on my credit Account XXXX  XXXX XXXX  is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX  is fraudulent on my credit Account XXXX  XXXX  is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX  XXXX is fraudulent on my credit Account XXXX XXXX is  fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX  XXXX   is fraudulent on my credit Account
Consumer complaint received 2019-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.
Consumer complaint received 2019-07-07
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)

A collection account I disputed with XXXX XXXX was resolved by their deleting it from my credit report but instead of it showing increase in my credit rating, it showed the opposite, this I believe must be an honest error in reporting on my report
Consumer complaint received 2020-12-22
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. (NJ)

Experian continues to report false information on my report. 
XXXX account is fraud. 
I am a victim of identity theft with various discrepancies on my credit. XXXX and XXXX  have removed the accounts in question. I have supplied my FTC report from last year with the account in question listed on the form. Yet they fail to remove this fraudulent account from my report. I am demanding immediate removal of this false information at once.
Consumer complaint received 2024-04-03
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

I purchased a XXXX XXXX from XXXX. I put XXXX on this card and they charged me XXXX dollar fee to load it. I had not even gotten to use the card before all my money was taken up by XXXX fraudulent charges XXXX being for XXXX something dollars and the other charge was for XXXX dollars. I spoke with Secure Spend customer service, they informed me that due to the fact they are completely Anyomous debit cards that some how someone could of gotten my card number ahead of time and was able to use it once I loaded founds, that this happens all the time. That there is nothing they could do about it and refuse to even allow me to file a complaint until the end if the month... This money was to pay my electric bill and now I no longer have it to pay My electric company is not going to sit and wait for my payment and I can not afford to come up with another XXXX... I am not the first customer they have done this too ... .there are hundreds of complaints about them on the internet that I have XXXX XXXX XXXX is still XXXX this card is unbelievable.. These people are scam XXXX and there are cases out there that the consumer has been battling over a year to receive a refund from them with no results!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 1ST FRANKLIN FINANCIALXXXX  Account number : XXXX
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (TX)

Hello, I have a loan with wells fargo for my suv that I got a laon from wells fargo from. i noticed that in XXXX and XXXX and part of XXXX my interest rate increased tremendously compare to the these past few months. I am now paying XXXX $ of interest and in the past months it looks like it reached up to XXXX $ in interest charges, Can someone please tell me how is that possible?
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Markets Cooporative, LLC (FL)

I closed on a Home Loan in XX/XX/2019 with XXXX XXXX XXXX and setup my auto pay with their loan service Department. I always do auto pay. 
I had even setup and additional payment of {$1000.00} on top of my monthly payment. 
However, the bank apparently sold my loan to another service provider. 
They failed to contact me about this and did not transfer my auto pay. This is why one payment was missed since I thought the auto pay was activated.
Consumer complaint received 2019-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received several emails from Bank of America about settling an outstanding debt for {$42.00}. I reached out to the company on XX/XX/2019. I spoke to a collection agent regarding the email and she started the settlement offer was still good. I agreed to pay the settlement amount for the collection per the emails that had been sent out. Bank of America received payment from my account. I later received an update on my credit report and it showed the account had been paid down but not settled as agreed. The company used unfair and deceptive collection practices and violated the FCRA.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, my work check was illegally stolen from bank of America, I was told it was for a account that closed a year ago, however I paid all arrears, even had two deposits totalling XXXX XXXX XXXX, then XXXX, XXXX XXXX, get nothing ever taken out. I was never alerted to owning anything on this account on the calls placed XX/XX/2023 no banker saw anything owed. I'm XXXX XXXX IN THE UNITED STATES AND XXXX. I received my work check through direct deposit and XXXX was stolen without warning from BofA. I went to the Branch in XXXX and spoke to XXXX XXXX who stated the money would be returned with 3 to 5 business days, he then stated no letter was ever sent out then he illegally generated a letter as we see it shows populated on XX/XX/2023. Deceptive banking practices. XXXX also XXXX XXXX XXXX XXXX XXXX advisor. Pull under FOIA his computer activity as you will see he promised me a refund due to never contacting me or making any payment arrangements.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (NY)

I financed my Volkswagen a few years ago in XXXX XXXX. I moved to XXXX  state in XX/XX/2023 and the law requires me to register my car within thirty days. The DMV in XXXX  told me I'd need a copy of my title in order to register the vehicle, so I called my lienholder, VW Credit, on XX/XX/2023. I was told that my title was electronic and would take 15-20 days to process. On XX/XX/XXXX, I called for an update and was told that my request was still in process. My South Carolina registration had just expired at this point, and I was beginning to worry. My apartment complex does not allow unregistered cars, and I was accruing taxes and late penalties with XXXX  state. I also have not been able to drive anywhere, which is a huge inconvenience in the 21st century. 

I had a bad feeling about having the same exact script repeated each time I called. I called back to follow up again on XX/XX/XXXX, XXXX, and XX/XX/XXXX, only to be told the same thing each time. One representative said they put an " expedite '' on my request, but so far that has yielded nothing. 

Today is XX/XX/2023, and it has been seventy days since I first requested my title.
Consumer complaint received 2019-10-10
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. (NV)

I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Consumer complaint received 2018-02-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Despite repeated disputes and calls to all 3 credit bureaus, each account reporting with each bureau is in violation of my rights under the FDCPA. Bankruptcy account filed by myself as well as my ex-husband is reporting inaccurately as Chapter XXXX, and keeps verifying as accurate despite submitting documents showing correct Chapter XXXX filing, and now too old to remain on file. Have called bankruptcy court, told they do not report to bureaus? Also told by both XXXX  and XXXX XXXX that debt re-aging is not illegal, when it is, while article discussing re-aging currently on homepage, accounts that arent mine repeatedly verifying as accurate, despite calls to original creditors verifying i do not have an account on their files, state tax lien appearing on only one report illegally, and medical bill balance steadely increasing a few dollars at a time, lowering credit score further with each occurence. And also not my account. Unable to apply for SBA loan until these violations are removed ; ex-husband can not afford a new much needed car loan as well, due to low credit score resulting in unaffordable rates.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX a case was opened against my account by Truist Bank claiming fraudulent activity and the bank closed my accounts. 
The case was opened because I deposited a check payment that had been returned. ' had a second payment deposited for another job that I completed but ye bank decided to hold that check indefinitely just in case there was o request to return the funds. the banne has not given me any additional information nor have they the released the funds to me or have any intention of releasing myfunds. theywill not provide me with more information or reasonable Time frame in which, could expect resolution.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX Delete this item immediately