davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with OneUnited Bank has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account XXXX : XXXX Bank XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION (MI)

Fist Advantage was hired to do a background check on me by XXXX 's ( XXXX ). They falsely reported that I was convicted of a felony. After numerous lies being told to me and multiple dispute " tickets '' opened they say that they have updated XXXX yet I am still being told that they have yet to hear. This is costing me financially. If they would have cleared up a honest mistake from the start I would n't be this frustrated but due to the gross negligence of their " investigation '' team I am suffering. As a " background check '' investigation company they should be able to see these things. I had to walk someone named " XXXX '' ( ext XXXX ) through the county website to show him that I do not have a felony on my record. It is all public but their incompetence and negligent team could not figure this out. I feel like they should reimburse me for time lost but I doubt this will happen until the court is involved. I am certain that I am not the only one who has been harmed by their practices. Please let me know what actions can be taken to prevent them from mistreating anyone else and help to resolve this ongoing issue. They continue to lie to not only me but my HR representative. They will say anything to get people off of the phone and lie about actions being taken to help.
Consumer complaint received 2023-06-13
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, GA XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXXBalance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported XXXX XXXX Reference # : XXXX.
Consumer complaint received 2020-11-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1.XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2020-11-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I mistakenly submitted an application with Capitol One on XX/XX/2022. I immediately called the company right after and ask them to remove the account, cancel the card, and cancel the application. They did all of the above. They are unable to reverse the transaction on my credit report. I am asking if this inquiry can please be removed because it was made in error.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I had a charge off on my account from XXXX 's back in XX/XX/XXXX. I was delinquent on my account due to the company not sending reminders that my bill was due each month as I had requested. They were sending the reminders and then they stopped. When I received the notice that my account was being closed due to non payment I immediately paid the balance off in XX/XX/XXXX. Now, XXXX 's is reporting that I was 30 days delinquent in XXXX of XXXX, 60 days delinquent in XX/XX/XXXX and 60 days delinquent in XX/XX/XXXX on my credit report. I need to have this inaccurate information removed from XXXX credit bureau 's showing that I was delinquent passed the time that I paid off the charge off in XX/XX/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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-14
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: Bread Financial Holdings, Inc. (OH)

For years now Ive been fighting with this company Comenity Bank to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Consumer complaint received 2019-04-25
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. (OH)

I filed a complaint with identity theft.gov yet the fraudulent takeover of my account was never resolved, leaving a negative mark on my credit report.
Consumer complaint received 2019-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I am attaching a copy of the investigation request letter that my husband and I sent to the credit bureaus on XX/XX/2019. According to credit law, they were supposed to investigate the disputed accounts and respond within a months time. Over 45 days have passed, and we have yet to receive a response.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I signed up with XXXX XXXX XX/XX/2016 in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was : TENNESSE FEDERALCOURT - it was dated for XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, TN XXXX About a week later My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2020-11-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was the victim of an elaborate scam. I have been searching for a new job and was hired for a XXXX XXXX XXXX XXXX with a company called XXXX. I sent them a detailed email about my experience and why I would be a good asset to their company. They got back to me wanting to set up an interview through XXXX ( chat based ). I interviewed the next morning. After the interview, I was told I got the position. The company wanted to send me a starter check to get new office supplies ( new XXXX, XXXX XXXX, etc. ) I received a check for {$3800.00} in the next couple days. The recruiter kept in contact with me everyday. The check posted in my account. He told me the company had an accredited vendor that would send me the office supplies after the vendor received my XXXX. XXXX only allows a maximum of XXXX a day so the recruiter asked me to go to USPS and purchase a money order for XXXX, then XXXX it to XXXX XXXX XXXX, XXXX, CO XXXX. So I did. The next day the recruiter got back to me saying the vendor had received the money, but that the office supplies had gone up in cost. He told me me if I could XXXX another XXXX to the vendor I would be reimbursed my first paycheck. The check ended up bouncing 5 days later and left my checking account in the negatives. Never to hear from the recruiter again. In total, I lost XXXX. 

Side note, why is it okay for the bank to post money in your account before making sure the other parties account has the money?!!! 

Names this " recruiter '' could be XXXX XXXX ( name he went by ) XXXX XXXX ( changed his name to this in XXXX ) XXXX XXXX ( money order addressed to this person ) XXXX XXXX XXXX ( I sent XXXX to this person ) XXXX XXXX ( name on the fake check ) I would really appreciate your help. I don't believe Bank of America will put this money back into my account and I am very sad, broke and frustrated. 

Thank you.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

The property was financed with XXXX XXXX  with life insurance on the loan by myself and another person in approx XX/XX/XXXX. All payments were current, none were late or missed as they were drafted from my account. The property burned completely with XXXX XXXX XXXX in XX/XX/XXXX, but payments were still made until the investigation and insurance was complete. In XX/XX/XXXX drafts stopped being taken out of my account. I contacted XXXX XXXX  and was informed my mortgage had been sold to Carrington mortgage without Carringtons knowledge of the loss. I was never notified by either company about a sale. I inquired about this and they said a letter was sent to an address that has not been connected to me in more than three years. XXXX XXXX  has my current address as I received several items of mail from them, sent proof of XXXX and XXXX XXXX. I have tried for more than a year to get a copy of the original contract from Carrington as well as XXXX as my copy was burned in the fire. I had an attorney attempt to get the mortgage as well due to life insurance being on the loan, but to no avail. I am trying to close the estate of the person who was the co-mortgage holder that XXXX in the fire. I have tried for some time with Carrington to get a payoff, I was told over the phone the amount was XXXX XXXX XXXX XXXX and some odd cents, they assure me they will email it, but nothing. I want the email so I have written proof of how much I owe as I am afraid the amount will suddenly turn into the entire insurance amount with hidden fees and charges. The insurance company tried for one month to get proof of mortgage ownership from Carrington. I have a check from the insurance company for XXXX XXXX XXXX dollars and simply want this behind me. I have dealt with XXXX and now Carrington for more than a year being given the runaround. I feel as if I have no where to turn.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

I tried to o contact XXXX services about unauthorized transactions on my debit card.tried several times to contact banks fraudulent dept.no one picks up.this all accurred around the XXXX of XXXX while in hospital
Consumer complaint received 2020-11-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (MA)

I was mailed a letter appearing to be from the U.S. Department of Education offering to consolidate my student loan debt. I created an account on nslds.ed.gov and then called the number listed XXXX. I spoke with a representative who already had information that I did not believe a third party could have such as my total student loan debt. He offered me guidance toward consolidating and refinancing my federal loans and told me I was eligible for a repayment forgiveness plan ( REPAYE ). I would only be responsible for {$110.00} a month plus a {$39.00} fee per month. This would also be forgiven after 20 years. The representative seemed genuine and helpful. He told me that I was responsible for the application fee of {$790.00} which I was able to break into two payments of {$390.00}. I signed a contract with this company falsely under the impression that they were a government affiliated and protected company. He insisted that they were federally backed. I sent my REPAYE document and two paystubs to the address that they had provided for my student loan provider. I did not realize that something was fishy until I saw the deduction in the form of check from my checking account. After looking up the company listed that the check was made out to I found through the XXXX XXXX XXXX that XXXX  XXXX XXXX, XXXX was littered with people saying they had been scammed by them. I have emailed them a notice of cancellation of my account and called my bank to dispute the claim.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2020, I ordered an auto battery from walmart.com, which was installed by a Walmart auto department, removing the old dead battery At the time of placing the order, I provided the merchant with my Capital One credit card information. The battery price was {$120.00}. The state and local sales tax is 0.75 %. The tax should have been {$9.00}. However, subsequently the merchant added {$21.00} in tax and submitted this fraudulent charge to Capital One. This is an illegal sales tax rate of 0.16743 %. The difference is {$12.00}. Copy attached. When I went back to complain to the Walmart auto department I was told that they could not do anything about the overcharge. I called walmart.com, but was told that the tax was calculated correctly. I called Capital One to complain, after which a credit of {$12.00} appeared on my account online. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Capital One reversing the credit and closing my complaint - without explanation and without addressing the illegal sales tax overcharge. Clearly this is an example of big companies - Capital One and Walamart - flaunting the financial system, blatantly and intentionally illegally cheating the public.
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the 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 and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-10
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX XXXX XXXX  # XXXXthe dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt XXXX 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX  XXXX  # XXXX I have never done any type of business with this company please delete this account at once!