davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$99.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (LA)

I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-09-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-07-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My Certificate of Deposit which was opened in XXXX was closed on XXXX without my consent and it was transferred to my wife 's account which was not even listed as an external account on the certificate of deposit. I never provided any authorization to close this account. This account was having 2.85 % APY. 

When I contacted the customer care, they said this was done by mistake and asked me to wait for a few days as they would fix it. 

Few days later when this was not completed, the customer care team on XXXX XXXX asked me to open a new CD for 3 years ( 0.3 % APY ) and transfer the funds into the new account. They told me that the new CD account APY would be updated within 5 days. The reason they asked me to open a new CD because they were not able to pull the fund from the external account. 

Between XXXX XXXX and XXXX XXXX, I called customer care multiple times and every time they said it's pending with the system and would be done by XX/XX/XXXX. 

Today on XX/XX/XXXX, when I called again, they said APY can not be updated to 2.85 % and even though it's their mistake, they would not fix it. This is a clear case of fraud as the CD was liquidated without my consent and feeling really helpless here. 

The customer service team manager said, whoever I have spoken to between XXXX and XX/XX/XXXX, they all misled me. 

There are two things to note here.

1. The CD was closed without my authorization 2. The money was transferred to an external account which was not even listed in my account. 

How can Capital one liquidate an account without customer authorization and transfer the fund to an external account.
Consumer complaint received 2023-03-28
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. (FL)

On several occasions, I have tried disputing inquiries off of my consumer report that I have no knowledge of. 
I contacted the creditors, and they have no proof. I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since they do not have any authorization, written or verbal I ask that you delete these unauthorized inquiries from my consumer report immediately! As there is no evidence of any authorization, nor any permissible purpose.

According to section 604 of the fair credit reporting act permissible purpose of consumer reports. 15 US Code code 1681b In General, Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( F ) otherwise has a legitimate business need for the information ( i ) of any information disputed by consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police 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, US DEPT ED,  XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (WA)

On XX/XX/2024 my payrol check was direct deposited into my chime checking account. Chime withdrew all of it and deposited it into my credit builder account. I proceeded to pay my bills, ( Credit Cards ). I received notice from chime that my {$25.00} payment to XXXX XXXX was declined and was told to run it through again. Chime would have me run it through for a total of 3 times. There was a total of 5 declines, 3 for XXXX XXXX, 1 for XXXX XXXX and 1 for XXXX  XXXX for a total of {$100.00} in late and declined fees, This credit builder account is designed for the purpose of paying your bills. When I first called Chime to discuss this matter, they were clueless.
Consumer complaint received 2023-08-18
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: TRANSWORLD SYSTEMS INC (NY)

A recent global cybersecurity incident involving XXXX, a file transfer tool owned by XXXX XXXX. The software is used by government agencies, major financial firms, and thousands of other companies around the world. This incident resulted in exposure of my personal information.The information includes my name, address, date of birth, and social security number.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have already filed a complaint against Bank of America. # XXXX ; OMB # XXXX. Bank of America still refuses to return my money from Collections etc. that I have done everything I could to prove they fraudulently took over XXXX $ of my money. 
Furthermore, while investigating my credit reports I have discovered that BOA has been purposely incorrectly reporting that I have been carrying high balances and not paying on my credit card for years! I have filed disputes as I never ever carry balances and I always pay off my card every month. XXXX and XXXX  disputes are being taken care of as XXXX and other federal agencies are also involved for some reason XXXX still is not being fixed. 
There is a XXXX XXXX from BOA who refuses to call at a time where I can actually return her call. She refuses to return her emails. Again, I am at my wits end. This XXXX is supposed to be a Resolution Specialist of Regulatory Complaints XXXX ext. XXXX I would like my money back from Collections etc. Which is in excess of over {$200.00} and from the fraud that I reported from the XXXX account $ XXXX.I am also expecting BOA to fix their nonsense and correct all information on my credit reports. They have been lolligagging for far too long.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates continues to contact my co-workers at my place of employment and telling them my business. This has happened on different occasions and with different co-worker. They call continually and repeatedly. They call on XXXX XXXX call after the other. they have called a total of XXXX time daily for the last XXXX months. Also they have talked to my co-workers in XX/XX/2022, she did not know the exact date. I really believe that the statue of limitation is up on this debt if its the debt that I am thinking of.
Consumer complaint received 2022-03-17
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My XXXX XXXX debit card had unauthorized charges on it that I didn't realize until I went to use it for a hotel on a out of town trip and had a issue using the card. I went to check my transactions and saw multiple {$5.00} charges going back to XXXX XXXX to XXXX XXXX for XXXX XXXX and a few from XXXX which were around XXXX dollars. I reported it right away on XXXX XXXX and XXXX XXXX  closed that account and issued me a new card. After there investigation they say shows no fraud and I will not be credited {$360.00} is what the total amount was. I told Adp that I am not a XXXX XXXX  subscriber or XXXX and I do not use those services. They recovered some funds back from XXXX but are saying the XXXX charges is not Fraud! I would like to know who did this investigation and how to get my funds back.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLIANT CREDIT UNION (FL)

I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries : - ALLIANT CREDIT UNION 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 Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks inquiries.
Consumer complaint received 2021-07-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (TX)

The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$370.00} in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agency will not provide it and hangs up saying if I do not acknowledge the debt they will not assist me, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency limits the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what ia an older, non-obligated debt outside the statute of limitations
Consumer complaint received 2022-07-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shows up in XXXX XXXX XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX ( estimated ) .But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortgage loan in the amount of XXXX. The credit bureau ( Experian ) has allowed them to update the info. I called Experian on XX/XX/XXXX and the rep told me that my first dispute was not done correctly, info was left blank and unanswered, the dispute was not answered correctly. He suggested that I file another dispute. I also wrote Experian a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report. The rep told me that this letter needs to be sent to the creditor. It states in the fair credit act that the credit bureau needs to provide me these documents in article XXXX. Let me also add that I filed disputes with XXXX and XXXX XXXX and within 30 days they removed this XXXX  XXXX  XXXX  info from my credit report. This tells me that there is something not right! I have never signed any Mortgage loan documents in my life! The info states in my report that the loan is Status Transferred, closed. This is no explanation of what this supposed loan status is. So, if I owed XXXX  XXXX  XXXX  money and I did not pay then how is the loan transferred and closed and they are no longer reporting late payments.This Mortgage fraudulent activity and needs to be investigated. I listed the account info from my credit report below. I have applied for a Mortgage loan 2 months ago and was turned down because of this information on my credit report reports as a inaccurate Mortgage and XXXX, and 180 day late payments which is also effecting my credit score. Now, how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires of another loan application. Some one needs to pay! Can I sue this company? Account name XXXX XXXX  XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Consumer complaint received 2023-03-29
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-17
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ditech Financial LLC (AZ)

loan XXXX have attempted to get a loan modification several times Ditech has used my social security number without my authorization Ditech says this is a factor to qualifying for assistance and modification which they can not do Ditech has pulled my credit without authorization Ditech now tells me that's their policy I never allowed it I have contacted the investor