davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc. (NV)

The Prospective Employer XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX, Without written authorization took my personal information and submitted it on my behalf to XXXX XXXX company for a background check consumer report for appointment as a private contractor of XXXX XXXX XXXX XXXX XXXX XXXX of which is a misrepresentation as I was under the Impression I was going to be employed by XXXX XXXX XXXX 
XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  Utilized the service Hireright LLC to acquire an unauthorized complete report. 
XXXX XXXX. XXXX. XXXX Suite XXXX XXXX, OK XXXX XXXX XXXX and or XXXX casualty Insurance company in this action without written authorization and surely with no XXXX Ohio address Listed my job location as XXXX XXXX, XXXX OH XXXX knowing all along my Insurance producer license Was NV Resident only and without non resident permissions. 
I did not have knowledge of the report, or the report in my hand to dispute within the required timeframe listed to be a 5 day requirement provided within the HIRERIGHT LLC communication. As all or part of it may be incorrect. 

HireRight llc WAITED UNTIL XX/XX/2021 to send me notice of this report with a letter stating that this report has information in it that may result in " company '' deciding not to offer me a position in which I did not apply. 
The background check and consumer report request # XXXX States it was REQUESTED : XXXX  XXXX XXXX  COMPLETED : XXXX  XXXX 2021 ADJUDICATED STATUS SET : XX/XX/2021 Yet the postage shows that it was not sent until XX/XX/2021 I did not receive it until today.vAttatched is the info for XXXX XXXX XXXX XXXX for the liability protection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and also Attached is supporting documentation.
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FREEDOM FINANCIAL NETWORK (CA)

I have been on XXXX since XXXX XXXX. I had used my 401k to supplement my XXXX income to continue to pay 5 obligations. I ran out of 401k money in XX/XX/XXXX and am still on temp XXXXy. I was solicited by Freedom Debt Relief ( FDR ) to consolidate my obligations I have been unable to pay. I contacted their 800 # and the program was explained by XXXX XXXX, Senior Financial Consultant. He sent me the documents to sign to set up the program and explained that my credit would most likely have late payments on it. I explained to him that I know I owe the money and intended to pay if I was awarded social security XXXX. He assured me that they would be able to negotiate settlement amounts, and I reiterated how important it was to minimally affect my credit. They determined an amount to collect from me of {$760.00} per month to pay the obligations they would be negotiating settlements on. Although this amount is high it was much less than the monthly payments I have been making. I did not think I had a choice. They have withdrawn 6 monthly payments from my account for a total of {$4500.00}. Since XXXX only one account ( XXXX  ) settled in XX/XX/XXXX. XXXX has filed legal papers to sue me for the amount I owe. In order to respond to the summons I had to engage the legal company FDR has a relationship with XXXX XXXX XXXX XXXX ( XXXX ). To respond to this summons it is a cost of {$220.00}. I requested that money from the bank holding the deposits from FDR. According to FDR because I took this money out they could not pay {$200.00} to the XXXX account therefore it is delinquent now. The issue I have is that FDR withdrew their fee the minute XXXX  responded to a settlement and drained the account that had my deposits. I have been in contract for their services for 6 months and all I withdrew was {$220.00}. I believe that FDR is capitalizing on the fact that they are controlling my deposits and paying themselves when only one account has been settled. Yet that account XXXX is now delinquent to the settlement that FDR blames on my withdrawal. The bank account ( XXXX XXXX ) currently shows {$930.00} when they have withdrawn from me {$4500.00}. This company has taken advantage of my hardship and paid themselves with very little performance on the negotiating. They claim they have to wait to see what the court will say about the XXXX account, a court case I had no idea would come up from the structure of this program. I do believe that this company has misrepresented how efficient their operation was supposed to be. They should not withdraw their fee until each of the 5 obligations I had were settled. Only then do I believe they have earned their part. Thank you for your assistance.
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 60 days late as of XX/XX/2020 I am not sure how this happened as I had enrolled into their Covid Relief Program and was told that I would not be marked late. My only thought is that there was an issue with my application being processed in a timely matter.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

this information is incorrect on my credit report, XXXX XXXX XX/XX/22 XXXX XX/XX/22 these inaccurate inquiries are hindering me from my current mortage approval i am asking that you remove it ASAP I HAVE NO CLUE OF THIS INFORMATION
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I became an XXXX XXXX service member on XX/XX/XXXX to present. Bank of America offers military checking and a benefit of this type of account, in conjunction with the SCRA law, is no overdraft, extended overdraft, and NSF fees. Bank of America did not approve of my XXXX XXXX status until XX/XX/XXXX to which I have been charged a total of {$5400.00} ( {$1300.00} for XXXX, {$2200.00} for XXXX, {$1800.00} for XXXX ). They have refused to refund my account even though SCRA and Bank of America policy stipulates bank fees should not place the service member in financial difficulty. I have been continually protesting this through phone calls and letters but with no avail.
Consumer complaint received 2022-07-05
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. (AZ)

On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.
Consumer complaint received 2022-07-05
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: Bread Financial Holdings, Inc. (NV)

On XX/XX/XXXX per Comenity Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit reports. 
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 I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Filed for unemployment XXXX XX/XX/2020, never received confirmation or debit card, XXXX I received a tax form XXXX stating I needed to pay taxes on the funds EDD sent {$1800.00}. This was the first I realized the funds were stolen. Call EDD they said to contact Bank of America, got an appointment spent 3 hours calling from Bank, with bank representative to trying to resolve stolen money and create a fraud claim. Bank of America says it is an EDD issue, EDD says it is a Bank of America issue. nothing got resolved the bank was closed as we made our last call so I decided to leave.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (AR)

Today, XX/XX/2021, I received an email that my Chime Account would be closed for no apparent reason. My account contained over {$3000.00}. After speaking with someone at Chime, they would not tell me why my account was closed or if I would be receiving my funds that were in my account. I have access to no funds and Im not getting any answers.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX I purchased a XXXX XXXX deal for my family and I from XXXX XXXX using the Chase credit card. On XX/XX/XXXX a day before the trip I tested positive for XXXX XXXX and we immediately notified the XXXX XXXX and canceled the trip. On the same day we notified Chase and we were told to file a claim and provided all the required documents. 

The Chase credit card claim department kept asking us to resubmit the documents we have already submitted and each time they told us to wait another 3-5 business days since it takes that much time to review the add on documents. When we follow up with a phone call, the excuses they give us are always different and they tell us the issue will be resolved. Since we already paid {$5000.00} cents to purchase, we are not able to use our money to plan another vacation. According to the XXXX XXXX protection plan, Chase reimburse up to {$1500.00} per person and {$6000.00} per trip for your pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather and other covered situations. Our last conversation today with the agent was, We dont know how long this process takes, they are expecting a confirmation from XXXX XXXXXXXX XXXX and no guarantee on reimbursement.
Consumer complaint received 2019-08-01
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. (TX)

I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX  system is not a true form of investigating a validation of debt.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-05
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. (AZ)

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been requesting an account to be investigated because it should not be on my consumer report. I have noticed that the complaint was never resolved XXXX this is the compliant ID. I have already provided court document proving my claim and now I am being ignored by the consumer reporting agency. That is totally a violation of the FCRA. I have a right to challenged the inaccurate information furnished on my consumer report and to deny me a fair investigation leads me to believe that XXXX XXXX has never provided adequate proof of their claim. Maximum accuracy is required when furnishing information on a consumer report. I have submitted everything necessary to have this account removed and only XXXX deleted it Transunion and XXXX are still furnishing false information regarding this account. 
XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (TX)

There are several inquires on my credit report that I did not give my written permission to have pulled one being PSECU, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX XXXX. 
I will attach the report I've made with XXXX below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have XXXX single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXX, XXXX XXXX XXXX XXXX XXXX CARD SERVICESXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with Trans Union XXXX XXXX. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.
Consumer complaint received 2022-07-05
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. (NV)

I have disputed the inquires most of them were removed but these last inquiries and 1 account did not come off and they are fraudulent and are not mine. 
1 ) XXXX XXXX XXXX XXXX XXXX Auto ) ( XXXX XXXX ) 2 ) XXXX XXXX  ( XXXX XXXX ) 3 ) XXXX ( XXXX XXXX ) 4 ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX Curo ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) Account XXXX XXXX XXXX {$250.00} ( XX/XX/XXXX ) My student loans were combined into one I dont understand why these closed accounts are still on my account when I have disputed for these to be removed as well. 
Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of Ed/XXXX Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of Ed/XXXXt Closed XX/XX/XXXX Dept of Ed/ XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXX Dept of EdXXXX XXXX Closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UMB FINANCIAL CORPORATION (OH)

My son has a bank card that accesses my XXXX account. He used the card for a provider charge that depleted my account. At that point XXXX started to charge XXXX fund fees. The fees charged are as follows : XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} XX/XX/2022 {$25.00} When I spoke to customer service at XXXX about it, asking why they they charged so many fees without contacting me through email or text, they said that they would call me. A week and a half later my wife called with the same response. Now it is several weeks later and they never called to resolve my dispute. This is the same kind of dishonest delay tactic that nefarious web vendors use to delay the dispute until the statute of limitations for the transactions makes the dispute void. This same delay tactic happened a year ago regarding a fraudulent charge. They never called me.
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (TX)

fcra violations XXXX  caused my violations : see attachments : XXXX XXXX remove : Account Name ADS/XXXX/MYPOINTSRWD Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$350.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$350.00} Terms NA Payment History Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX 2019
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

Experian Data Breech No response. 
My personal email is constantly being hacked since Experian was breeched a long time ago. 
I am constantly getting robots and recorded messages. 
I have tried and tried to contact Experian. 
They offer no help and no recourse for their security breech issues. 
They will not talk to you on the phone. Experian has no options for security breech issues. 
I need some answers and there in no response for their security issues!/ I am constantly fighting off fraud alerts from my bank. 
The fraud attempts are less then they used to be. It all started when signed up for Experian Credit Monitoring services. 
What can I do to get a response or resolution form Experian?
Consumer complaint received 2022-07-05
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX CREDIT Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

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