davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time Bank of America gives to XXXX  ( 2x now since XXXX ). XXXX puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames Bank of America for not giving them the info and telling me I need to request it to be removed which can take 30 days. and Bank of America says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Consumer complaint received 2021-05-16
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX XXXX XXXX  Companies XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-04-11
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. (AZ)

According to below LAW States 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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXXXXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with XXXX different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX  XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : 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 BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

They claim I activated an XXXX Rate Sale offer with a promotional rate through XX/XX/22. I did not do this. I would like to see proof and the details of this offer. 
It has affected how they processed my payments on balance transfers.
Consumer complaint received 2022-09-28
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. (LA)

In accordance with the fair credit Reporting act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name. # XXXX, Account name # XXXX, has violated my rights. 

15 U.S.C A. states I have the right to privacy.

15 U.S.C 1681 section 604 2 ; it also states a consumer reporting agency can not Burnish account without my written instructions USC 1681 see the section states no consumer reporting agency may make any consumer reports containing any of the following items of information and any other advise items of information other than records of convictions of crimes which antedates to report by more than seven years a person showing up furnish any information relating to a consumer to any consumer reporting agency if the person knows her as reasonable cost believe that the information is an inaccurate
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IN)

On XXXX I received a XXXX  bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. On the statement it stated that I have until XXXX XXXX to this dispute. 

I looked on my credit report on XX/XX/XXXX they reported on collections without giving me a chance to dispute this according to the XXXX XXXX 

This is violation of my consumer rights.
Consumer complaint received 2021-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

This account was opened this year. I do not nor have I ever applied for a credit line with XXXX  XXXX. Neither do I or have ever resided at the address the card was sent to. This is a case of identity fraud. A dispute was made and in progress with XXXX XXXX. I was under strict counsel not to only open specific credit accounts and XXXX  was not one of them.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

XXXX XXXX, Equifax, and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2017-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX, XXXX, and Experian all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Consumer complaint received 2022-04-11
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-01-27
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. (TX)

I am a victim of identity theft, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review
Consumer complaint received 2021-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

I have received some large deposits of $ XXXX that disappeared or were withdrawn 2 mind after deposit that I did not withdraw or spend. 

A lot of fraudulent charges. Missing funds. 

Account underwritten. Allowing ppl into my account without even having the correct password. 

Implicating my P.O.A. of withdrawing $ XXXX around like 6-12months after the money was stolen while back dating the entries on the account that never happened nor should exist to account for missing funds. 

Not allowing me info from prev accounts that were open then closed for fraud due to Wells Fargo claiming that the accounts never existed. 

More then 1 card open at a time but lying stating there is only 1 open. All the while I can see like 3 cards open ending In different numbers online. 

Hacking my online account. Refusing to allow me to dispute transactions and credits to fraudulent transactions. 
Drive through teller attempting to steal {$200.00} and other tellers stealing money constantly.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (UT)

NEXIS LEXIS, XXXX XXXX XXXX, AND CLUE CONSUMER REPORTING ARE ALL REPORTING FRAUDULENT INFORMATION IN MY NAME AND DRIVER 'S LICENSE HISTORY DAMAGING AND SLANDERING MY GOOD NAME. LISTING TRAFFIC TICKETS AND FALSE INSURANCE CLAIMS. I HAVE NEVER RECEIVED A TRAFFIC TICKET CITATION OR HAD A TRAFFIC ACCIDENT IN MY LIFE. 
THIS IS GENERAL NEGLIGENCE. 
AND A CLEAR VIOLATION OF THE FCRA RULE OF LAW.
Consumer complaint received 2021-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IN)

The issue with US BANK has been going on for about two years now. I was on a 10 year HUD ownership program for my home, they help me pay my mortgage for the first 10 years of me purchasing my home. It is now XXXX  and the issue with my mortgage has not been resolved, Ive been told that I owe them over {$9000.00} on my mortgage behind payment they say. When I called to discuss the issue they could not talk to me due to a bankruptcy issue, when I try to pay online the account number I have does not let me pay. When I went into my local bank they refused to except my payment due to my bankruptcy. Im no longer in bankruptcy I have close that case. Im having issues with the amount they say owe and theres no way I can pay that due to Covid and I still have not received my tax refund this year. I have made two payments this year surprisingly they were excepted over the phone. When I called to make a payment this month XXXX I was told my address is not in the system. I need help resolving this problem so me and my children can stay in our home.
Consumer complaint received 2021-05-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT RESOLVE GROUP LLC (VT)

XXXX from Contract Resolve Group LLC has phone repeatedly for the last few months over a debt to XXXX - a debt I do not have any record of owing. I informed him that I would be happy to speak to XXXX about the issue, but would not be giving him bank and credit card information. I attempted to mail a certified letter to XXXX alongside a check for the amount owed and it was returned to me for refusal to sign. 
He has now decided to call multiple times per day, using threatening language alongside threatening messages. Better yet, he has now begun texting my family members and providing them private information. As I have been informed by my attorney, whether a debt is owed or not, they are legally not allowed to inform anyone of debts owed alongside any information regarding the matter. XXXX and his company have been at this for months now and my next step will be legal action against them for harassment and violation of the FDCPA
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2022-04-11
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. (WI)

I, XXXX XXXX, did not authorize nor benefit from any of the inquiries listed below that Equifax decided to furnish. Pursuant to 15 U.S. Code 1681c-2, Equifax needs to delete these fraudulent and harmful claims. Failure to do so will result in further legal action. If an Equifax senior executive will certify under the penalty of perjury that I received goods or services as a result of any transaction, this need not apply to that particular inquiry. The required identity theft report is in the attachments along with the required identification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I see there is another hard inquiry made today from Capital One on my report. Ive filed complaints for two hard inquiries on XXXX XX/XX/2022 that are fraudulent one has now shown open account on XXXX XX/XX/2022. I see another hard inquiry on XXXX XX/XX/2022 which is also fraudulent. I have not applied for an account with any of these agencies. XXXX XXXX, XXXX, XXXX XXXX, nor Capital One. Please remove and restore my credit score immediately. This is ridiculous.
Consumer complaint received 2022-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was sued and have a judgment against me that I was not even aware of. I never signed for any papers. I also never talked to anyone on the phone. However, they did call my daughter and my XXXX mother in law that I have not seen or spoke with in over XXXX years. I did not know I had been sued until I saw the charges on XXXX XXXX XXXX XXXX. 
the judgement was for XX/XX/2021 and it was for XXXX. They harassed my family and XXXX  mother XXXX law. but, never talked with me. I am not sure if it is even my debt.. It has been a rough few years... I lost everything bc of the pandemic and also was a victim of credit fraud. I do not know what to do.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EGL US, LLC (MI)

I am filing this complaint because BMG MONEY have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.