davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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. (CA)

XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 
Creditor : XXXX # XXXX The payment status shows included in bankruptcy XXXX, XXXX, or XXXX which is inaccurate. Status update shows XXXX XXXX which is inaccurate since the account was updated as a result of the previous investigation. The payment history shows a negative status for the month of XXXX which is inaccurate since this account was not late in XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
Creditor : XXXX. # The payment status shows included in bankruptcy XXXX, or XXXX which is inaccurate. The bankruptcy shows date of XXXX XXXX which is after the negative recorded in XXXX XXXX so the status would show XXXX XXXX not XXXX XXXX and further more since this account was updated per their last investigation the status should show XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, XXXX XXXX XXXX The request in this letter were ignored! I never received an updated copy of my report and XXXXXXXX XXXX a creditor never received a update copy of my credit report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I personally Wrote to the credit reporting agency on my own behalf without the help of anyone or business. I did an investigation on my credit report which caused severe XXXX upon me and found inaccurate and questionable items that the reporting agency didnt make sure was reporting 100 % correct. please see attached document.
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 — Account status incorrect
Company: EQUIFAX, INC. (MD)

In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In Accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported is not accurate ate all. The payment history is not even correct the bureaus have me as being late on my account when ll my accounts are on automatic payment each month. Yet the Bureaus came back and said they verified the account. BUT HOW DID THE BUREAUS VALIDATE THE MY ACCOUNT. Sounds like they lying or they just pushed a button saw my name come back on there computer and called that validating the account.. THATS NOT RIGHT!!!! NOR FAIR .... As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance!! 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % 100 % ... ..OR Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I just received an alert on my XXXX  credit report that shows I am 30 days past due on my td credit card. My score dropped 100 points and this is the first negative item on my credit card history. I havent used or had physical access to this credit card in years and any resulting activity or usage has went without my oversight. Please remedy this as soon as possible as this is purely an oversight due to my understanding that this card hasnt been used for several years. Please accept my apology and issue me this one time courteousy so I wont be held hostage by this one time issue in my long history of outstanding payments and usage.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I sent a letterlast XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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.

15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (CA)

According to my credit report, someone opened an account with " Moneylion Inc '' on XX/XX/2018 using my personal information to do so. I have tried repeatedly to have the information removed from my credit reports as it is the result of identity theft, but Moneylion Inc. has fought tooth and nail to prevent that from happening. Calls to the companies customer service department have gotten me nowhere and when I try contacting them using the phone number on my credit report ( XXXX ) XXXX, the calls go straight to voicemail, which I have left over 10 of to date, without receiving a single call back.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2017, somebody used my debit card and spent money at a XXXX 's XXXX, as well as a XXXX. I reported these charges immediately and was refunded by Bank of America. A few months later, I received another charge from XXXX. This charge was much larger and based off online research, I assume it's because the person who used my card never returned their XXXX   rental ... so I was getting charged a no return fee by them. I called Bank of America immediately and let them know XXXX has charged me again. They reversed the charge. Then the next month, XXXX charged me again. I call Bank of America, and just like last time, they reverse the charge. Skip to the next month, and XXXX has charge me yet again. Clearly this issue isn't being taken care of. On top of that every time XXXX charges me and Bank of America reverses it, Bank of America insists on sending me a new card ... leaving me cardless each time for about a week. 

This had to have gone on 4-5 times. The last time I spoke to Bank of America, we actually conference called XXXX together and spoke to a representative there who said he was closing the account and making a note that I was a victim of fraud. They stated no more charges should go through. 

Now I write this because this past weekend, Bank of America sent me a notice stating my claim has been denied and they took the XXXX money ( {$75.00} ) back out of my account. Both these companies have allowed someone to just straight steal money from me and I don't know what else I can do at this point.
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: Experian Information Solutions Inc. (NJ)

XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that 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
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequoia Financial Services (UT)

Sequoia Financial is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequoia Financial is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DC)

This is my six 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

On or about XX/XX/2022, I had opened a Raymour and Flanigan credit card through TD bank. I had no idea they had authorized the credit card in the amount of {$15000.00}. There is no way I needed or wanted that amount of credit as I was only buying a sofa. I contacted Raymour and Flanigan and TD Bank the same day and requested that they close my account. I have a letter in my possession from TD Retail Card Services dated XX/XX/2022 that I had a zero balance and that they closed my account. I am concerned since I am still getting emails from TD Bank and Raymour and Flanigan as well as from XXXX stating that on XX/XX/2022 they are still reporting this account to the credit bureaus which I have no control over. 
I am going to report this as fraud to the credit bureaus if TD does not correct this.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (MI)

I paid {$600.00} via cashier check. & I got the signed copy from the XXXX. 
I am running in the issue as follow : It is not notarized or recorded. There is nothing stating they paid the $ XXXX as per the agreement verbiage to have the loan released. 

Here is the response I received from my Refi broker. 

This looks to be a the actual short sale settlement agreement setting the terms the borrowers must comply with in order for the bank to release. - ( I don't know what are the terms ) We will need written proof from XXXX/Ally that all funds due have been paid and the loan is officially released. 
Here are the actions I have taken. 
( 1 ) Today, I have left vm to XXXX XXXX AT XXXX XXXX AT ALLY BANK - She is the person who I am working with about my issue. 
( 2 ) I also have send email to Lien release department. 
( 3 ) also XXXX, XXXX XXXX -Email address - XXXX. - she is the person who had emailed me settlement offer.
Consumer complaint received 2021-05-14
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. (OK)

Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (VA)

I was contacted by someone on XXXX on the XXXX of XXXX telling me I won something from current and XXXX XXXX I contacted my bank and sent them screen shots and the lady that I spoke to her name was XXXX assured me that I was ok and nothing would happen. I got paid that day around XXXX and by XXXX someone had taken money out of my account. I woke up about XXXX and looked at my account because I had been worried about it all day and there it was someone took XXXX $ out of my account. I am skeptical because this just happened to my XXXX account. So again I contacted the bank people and they said it would take up to 90 days to get finished not even 24 hours later I get a notification of them saying they fixed the problem I go in my account and the only gave me what was left in his account which was {$500.00}. I am now short {$490.00}. it is the banks fault there security failed. I told them immediately when I thought I had done something wrong and they didn't even care they just brushed me off and now I'm losing over half my check. They have proof that my money was stolen but refuse to give me bck my full amount they are FDIC insured this is illegal that I did not get back all my money because the bank fail to protect my account. 
The Bank : Current Banking ( Issued By XXXX XXXX XXXX )
Consumer complaint received 2018-08-09
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. (FL)

This mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.