davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I attempted to get my annual free credit report through XXXX and every single time I did they said there was an issue with my request. I attempted this 3 separate times and every single time they said they were unable to provide me with a report based on the information provided. I know thats not true because I have requested my credit report multiple times in the past without issue. Now all of the sudden Im not allowed to get it when I need it? I need my credit report to apply for a new house to rent and without this report Im XXXX
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.
Consumer complaint received 2021-02-07
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. (CA)

To whom it may concern, I noticed some inaccurate and unverifiable inquiries on my report. Under usc 1681 the FCRA states tha ( A ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Foremost as the consumer i did not give permission for these inquiries to be posted on my report which is a form of identity theft. No consent is a form of identity theft with out my written or oral permission. 
XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

XXXX, XXXX  and Equifax placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, Equifax and XXXX Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX XXXX # XXXX and XXXX 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.
Consumer complaint received 2019-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

We had a loan through Wachovia Financial Services beginning in XXXX. We had our own insurance policy per requirement for auto loan. At the end of XXXX, beginning of XXXX we ran into a financial hardship and became late in making the payments. The truck ( XXXX XXXX XXXX ) was voluntarily given back before the actual repossession took place and we were told that when at auction if the truck sold for more than what we owed a refund would be issued. Also if it sold for less we would be responcible for the balance still owed. We never heard anything. Fast forward 10 years later, I receive a letter from Wells Fago stating they want to know who my insurance carrier was for the months of XXXX XXXX to XXXX XXXX. We have moved 7 times since XX/XX/XXXX. Literally 7 times. All of my records from that time period have been lost or still in boxes I am unable to locate. I need to know who my insurance company was for the end of XXXX, or a copy of my loan agreement. Wells Fargo has this information and is witholding it from me, because there is a suit against Wells Fargo for charging customers for auto insurance ontop of the private auto insurance customers like myself already had. I never received a termination notice from an insurance company. I have a reference number with Wells Fargo : Ref. XXXX If I can provide them with my auto insurance information from the time period above, I am due a refund. 
Our loan was nearly paid off and they were not willing to work with us, that's why we voluntarily let them take it. Had I known I was being charged for extra insurance that would have lowered our payments and the repossession may have never taken place. My name is XXXX XXXX, I live at XXXX XXXX XXXX XXXX CA XXXX. During the time I had the loan I lived at XXXX XXXX XXXX XXXX, XXXX CA XXXX. My phone number is XXXX. I have tried everything I could to obtain this information from DMV, CLUE, XXXX, Ca. Dept. of Insurance, a credit report, an online site called XXXX, and now you. Well I have started calling insurance companies to see if I was insured through them with no success at this point. Please, can you help me? I know the information is there, but I can't find it. Thank you!
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (AL)

Hello the nature of my situation is that branch banking and trust has placed a hold and or closed my checking and saving accounts and they will not release my funds to no one but the account holder which is I however I 've talked to the corporate office of the bank in XXXX north Carolina and filed a complaint although my complaint was forwarded to in investigator name XXXX XXXX whom informed me that bb & t can not con firm my identity because the bank do n't have a signature card on file and that I was never sent XXXX when the account was opened moreove I ask the investigator that will a power of attorney will do and a copy of my birth certificate and social security card he insisted that the bank will not accepted it I advised the investigator that I am incarcerated and that what you are asking to visit a local branch I can not due however he advised me that he will be back in the office on Tuesday XXXX XXXX, 2016 and that I should contact him to gat a status update I did and was advised that my account will remain blocked and eventually donated and closed then sent to the state of Alabama and I would have to collect it from them furthermore I asked that I can send my finger prints for verification he insisted that it want do the investigator confirmed I was incarcerated so therefore any documents I would try to send to verify my identity want do because they want me to come into the branch in person I even assigned my aunt to be my power of attorney although investigator will consider that and I 've talked to several attorneys whom also advised me to contact this bureau for immediate assistance I ask that this bureau to find a solution because that bank is going beyond the scoop of the banking laws it just not right thank you
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened an account in XX/XX/XXXX with Capital one to rebuild my credit. I made more than the minimum. Monthly payment of XXXX to pay off the balance via my checking account on XX/XX/XXXX. This payment was held and claimed for fraud verification. When speaking with a representative on XX/XX/XXXX she implied that payment was returned which is was not. I made multiple payments after but had another issues in XX/XX/XXXX where only one XXXX money order was applied to my account and I was informed via phone call when speaking with a representative my additional XXXX money order was shredded and would not be applied. I escalarws issues and submitted confirmation of the payment via secure document upload then additional money order wash cashed by capital one and both were mailed in the same envelope but one was applied days later. I have since mailed XXXX on XX/XX/XXXX and capital one has failed to apply this payment I have since given confirmation of my payment via secure document upload. They have then on XX/XX/XXXX applied XXXX worth of charges to my card for my XXXX dispute for a payment they cashed making me over the limit while declining further transactions.
Consumer complaint received 2020-10-08
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. (GA)

All three credit reporting agencies, XX/XX/XXXX XX/XX/XXXX and Equifax are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

Experian credit reporting service has a bankruptcy on my credit report that is not mine. I asked them to look at all my accounts on my credit report and they will see no accounts have been discharged in bankruptcy or late so the bankruptcy can not exist according to the accounts reported on the report. They didnt do this and said it was verified. I have been denied loans due to this and ask you step in to help.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (MO)

XXXX XXXX continues to report an alleged debt of {$410.00} on my credit report under account number XXXX that the credit bureaus have removed three times now. This collection agency, nor the original creditor, have stated they have no records of me ever having an account with this company, XXXX XXXX, listed as the original creditor. It is also passed the Statute of Limitations, nor has it ever been properly validated. Yet this collection agency XXXX XXXX   and continues to re-report this debt after each time it is removed by the credit bureaus. This shows willful noncompliance and it is in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
Consumer complaint received 2019-05-15
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. (VA)

1-I believe Experian Information Solutions Inc. retaliated against me again ruining my credit report which is free of any miss-payment or any negative item but the Experians externality or Retaliatory inclusion of the same information over and over and forcing me to dispute it over and over wasting my time and destroying my financial reputation and contributing in causing me irreparable damages and losses. I checked my credit report with the other two bureau and it seemed they were deterred from doing what Experian now has the habit of doing against me of retaliation and terror without on the watch of who could stop it by law.so far the other two bureaux they did not have the Retaliatory information that Experian seemed unwilling to refrain from subjecting it against me in violation my rights under the FCRA, in violation of my consumers rights under CFPA and in violation of my Virginia state law too. 

2- I believe Experian Inc. mislead the CFPB and myself when it stated the following which is documented in this CFPB platform : Per your request to conduct an investigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report. well it is not trutful no serious investigation was that of experian if the same Retaliatory information is my Experian credit report as of today XXXX XXXX. 

3- I believe Experian Inc. dishonored institutions and role of law recklessly. So it is not the first time and it seemed not the last Experian mislead and reply to a complaint in unethical business manner. 


I reserve all my rights including right to sue Experian information solutions Inc. and I have right and my freedom of speech to Expose Experians terror against me and my family in every way. 

When will the CFPB and authorities with jurisdictions stop XXXX retaliation and terror it seemed not refraining from doing it in violation of the law? 

all stated herein is to my current states belief, knowledge, and understating and it is subject to anything or any correction by my person, XXXX XXXX, at any time without prior notice and without waiving my rights.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-06-30
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. (TX)

TransUnion is reporting an unverified, erroneous account by the name of DPT Treasury with the amount of {$26000.00} on my credit file. From XXXX-present I have disputed this account with the credit bureaus. XXXX and XXXX have deleted this account due to being unable to verify this account. TransUnion, on the other hand, has somehow verified this account. I have asked for Transunions method of verification for this account in all of my disputes and have not received anything. Upon contacting the furnisher of the information, they admitted over the phone that they do not possess a contract or anything that states the above account is mine. The DPT Treasury even states there is nothing that proves the account belongs to me. I inquired about how to debt originated and a specialist with the DPT Treasury, by the name of XXXX XXXX, stated that the State of Texas helped my family fix our home during Hurricane XXXX. I am NOT a homeowner and have never been a homeowner. I even asked for proof of this alleged contract with the State of Texas and was told the DPT Treasury doesnt have it. How is TransUnion verifying this account when XXXX and XXXX, and even the Furnisher couldnt? I have no business relationship with the DPT Treasury. TransUnion nor DPT Treasury has provided me proof. TransUnion is deliberately reporting inaccurate, erroneous items on my credit file. I have already sent this information to my State Representative to try and get this figured out. Going to court is my last resort.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (NE)

I originally filed a complaint in XX/XX/XXXX with the bank that I was told was responsible for paypalcredit.com credit purchases. In XX/XX/XXXX, that bank finally told me that it was not them and I was referred to XXXX XXXX XXXX XXXX XXXX, MD. My complaint regarded the charges by XXXX XXXX XXXX ( XXXX ) of XXXX, CO who did not deliver services as promised in my job search. All XXXX did was prepare a mediocre resume ( as advised by 2 HR departments and 2 other placement agencies ) and tell me to contact my former coworkers. I filled a complaint with XXXX XXXX XXXX dba paypalcredit.com on XX/XX/XXXX and have yet to have a response from them.
Consumer complaint received 2018-01-26
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 (NC)

Dear Sir, I wish to dispute a charge from XXXX XXXX XXXX purchase date XX/XX/XXXX and charged to my account XX/XX/XXXX, for the amount of {$2700.00}. My credit card limit is {$1000.00}. I have not authorized any person to charge any amount on my card over the credit card limit. I found out today that XXXX XXXX, an authorized user rented a car from XXXX for up to 6 weeks and accumulated this charge and after turning the car in was accumulated charges on XX/XX/XXXX for {$2700.00}. I have only authorized my secondary user to charge no more than the {$1000.00} limit on my card as stipulated by Capital One. I asked Capital One representative why they did not contact me on this charge and then requested to dispute this charge which was initially denied. 

I contacted Capital One and asked to dispute this charge which was almost 3 times over my credit card limit. XXXX, I'd number XXXX advised that I could not dispute the charge, that XXXX had a right to charge this to my account. After I advised her to close my account was I able to dispute this charge. Now I have no credit card with Capital One and I finally have a dispute pending and am a senior citizen with a XXXX  XXXX while being XXXX XXXX XXXX XXXX. I had to close my account so no charges over my limit would be charged to my account. I have also requested that a supervisor call me on this matter. Please have someone call me to help me on this matter or email me at XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Goal Structured Solutions, LLC (MA)

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.