davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 604 A section 2 states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instruction. 

The account opened XX/XX/2020 Amount {$2500.00} During the time at the XXXX at XXXX XXXX I recently moved in with my mom, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told I was signing a list of people in the home come to find out I was tricked into co-signing a lease. I didn't pay not one bill but my name is on the lease I've been trying to get this disputed for over 2 years now. It says its a joint account and been trying to move it to my moms since it was hers. I have called to get the documents showing a signed anything but the XXXX XXXX XXXX gave me the run around.
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (TX)

To : Blue Trust Loan Loan Department Regarding : Loan XXXX XXXX  Account Status : Active { {$720.00} } of XXXXPaid by direct withdrawal from my Bank Account at this time XXXX Payment is every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months. Please advise Compliant : I spoke with a Blue Trust Loans Customer Representative over the phone. I was looking for a loan to cover a bill and came across the company after applying a representative contacted me.This Representative did not disclose me the information regarding the interest rates.After, I was approved and sign I received my loan documents per phone, and it was not until after speaking with the representative I check my email for the documents. I did not receive clear information, regarding the terms of taking out this loan. Check your recording, I was shocked to see that what I did for { {$720.00} } dollars. For the { {$720.00} } dollars I was scheduled to pay back for { {$90.00} } for 9 months.The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months.I am also, filing a complaint to the XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC (CA)

As of : XX/XX/2022, when I got my Destiny MasterCard, through : FS Genesis Cardholder Services , Inc., they haven't changed the First Name on my Destiny MasterCard, to : XXXX XXXX XXXX.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I was at a event at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 and I purchased drinks for {$16.00} once, the second time I tried to purchase drinks my card was declined. On reviewing my bank account I find a second charge that night for {$18.00} which I did not make. I notified the bank of this and they deny my claim because I did not have a paper reciept.
Consumer complaint received 2022-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (VA)

XXXX will not remove the account off my report. I'm trying to get a mortgage so I paid the debt. Explained it was not mine. It came back fraudulent from XXXX and XXXX and they deleted it. XXXX will not. I have never been to XXXX. I don't know where it is but I have XXXX collections from there on XXXX. I called XXXX, disputed on phone and online and they still won't show me accurately that it's my collection because it isn't.
Consumer complaint received 2015-09-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

For many years my phone number has been associated with a debtor. Each company eventually sells the debt and then that collection agency starts calling me looking for someone named XXXX XXXX XXXX spelling )? I have tried unsuccessfully to get each company to remove my phone number, but they wo n't.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2022-12-16
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 — Problem with personal statement of dispute
Company: Dovenmuehle Mortgage, Inc. (OR)

On XXXX  my application with Dovenmuehle Mortgage Inc Loss Mitigation was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. Dovenmuehle submitted foreclosure status on XX/XX/XXXX and then again on XXXX  to XXXX . This was illegal. I disputed it on XX/XX/XXXX with XXXX and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to XXXX and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now XXXX has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KY)

U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NC)

I had my identity stolen twice in 2018 which I later filed FTC reports, there was a BB & T foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a XXXX balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a XXXX balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to BB & T/TRUIST... calls to BBT/TRUIST that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I am a PSLF eligible borrower who has been employed in public service for a year. I moved to a new public service job on XXXX and filed a new certification reflecting this. On the XXXXXXXX XXXX XXXXXXXX, I received correspondence from MOHELA that showed I had not made any qualifying payments, in direct contravention to the DOE guidance regarding PSLF payments during the payment pause. I tried calling MOHELA and had to wait through 10 minutes of recorded information without the option to speak to a representative. The call then automatically terminated. I called again at a different number and was given a wait time of 180minutes. I waited for about four hours ( until about XXXXXXXX XXXX est on the XXXX ) at which point my call disconnected again without connecting me to a representative. I just want to correct the obvious error in number of qualifying payments, but customer service if unreachable
Consumer complaint received 2017-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

MY COMPLAINT IS SGAINST WELLS FARGO BANK, I HAVE A CHECKING AND SAVINGS ACCOUNT WITH WELLS FARGO BANK AND THE PROBLEM I AM HAVING IS THAT WHEN MY BALANCE REACHES A LOW LEVEL AND I VISIT THEIR ATM TO MAKE A DEPOSIT TO THE WELLS FARGO ATM MACHINES, THE DEPOSIT OPTION IS ALMOST ALWAYS UNAVAILABLE FOR DEPOSIT AND THIS IS TRUE REGARDLES OF THE LOCATION OF THE MACHINES. THEN I AM CHARGED HUNDREDS OF DOLLARS IN OVERDRAFT FEES BECAUSE I COULD NOT BALANCE THE ACCOUNT I SUSPECT THAT THIS IS A DELIBERATE AND INTENTIONAL AS WELL AS UNPROFESSIONAL BUSINESS PRACTICE BY WELLS FARGO AGAINST THEIR CLIENTS.
Consumer complaint received 2023-10-01
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have had fraudulent activity on my account for a few months. I have complained many times and nothing was done til there were fake mobile deposits. I call the bank to ask what it was and they said the closed the accounts due to a previously known device that was not mine for fraudulent activity. I can not get a copy of my bank statements or any help filing a fraud report. I was simply told to call a lawyer they won't give me anything. The account was closed due to mis use of mobile deposits even though they know it came from someone else who has previously done this to other Bank of America accounts. So they closed my account saying I did something wrong even knowing it was someone else. My account was closed for their inability to stop a known issue but they are blaming me.
Consumer complaint received 2022-10-13
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. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-04-08
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. (MN)

I have contacted the credit bureaus XXXX, XXXX and Transunion requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX Miscellaneous and public record Inquiry XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2023
Consumer complaint received 2019-07-18
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: Experian Information Solutions Inc. (OR)

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX Account Number # XXXX, Account name XXXX XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which annotates the report by more than seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.