davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX have a collection from XXXX collections agency. 

I do not owe this company any money. They bought a old debt that does not belong to me. 

I already requested XXXX to remove off my credit report. Which it was remove from XXXX  and XXXX. But transunion has not removed
Consumer complaint received 2021-09-17
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. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-09-17
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. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

Discover ending XXXX I found charges I did not make I called bank they would not take the charges off they denied security said so the charges made by some one paid the account then stop the payment I do not know of this I did speak to them denied I have pay the charges.
Consumer complaint received 2017-07-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ). <P/>I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney. <P/>My attorney sent a request to Bayview last week, but to date there has been no response. <P/>I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United PanAm Financial Corp. (CA)

N accordance with the Fair Credit Reporting Act United Auto Credit account number # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-17
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. (MD)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2020-01-27
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. (IL)

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point. 
3- I can't take any loan because of the big decrease in my credit score.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021, I received a scam call from a person who was impersonating an ICE ( U.S Immigration and XXXX XXXX ) officer, and I was fooled by this voicephising. So I had to make a money transfer of {$1900.00} from my Bank of America saving account to a person named XXXX at XXXX. He was planning to steal a total of {$3400.00}. He told me to send {$1900.00} first, so I sent him. He told me to send another {$1500.00} and I tried to, but due to the withdrawal limit of my saving account, it failed. He told me to try {$1400.00} then, but it failed again due to the withdrawal limit. At that moment, I realized that this is a scam trying to steal my money. So I immediately stopped making the second payment. I tried to cancel the first money transfer of {$1900.00}, but I couldn't reach to the bank due to high volume of customer service calls.
Consumer complaint received 2021-04-01
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: JPMORGAN CHASE & CO. (CA)

I opened dispute to fraud at XXXX on XXXX. I don't reciving the item and this company say they send at my address by XXXX, when I don't reciving talk to XXXX and check the tracking number the guy on GPS say no delivering on my address but him can't tell where delivering. Open a case in XXXX and I lost it, the company XXXX said that it had sent it to my address but that is false. 
And I open a claim to fraud in CHASE CREDIT CARD with the : CLAIM ID : XXXX And the same result the CHASE believed the defendant than the defrauded, they told me, they had asked the TOMMIGOODWI questions, but they never checked with XXXX for know the truth. 
The amount on dispute is {$51.00} XXXX tracking # XXXX
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, two orders were placed using my Bank of America Debit Card for {$1000.00} and {$1400.00} respectively at what appears to be a wholesale beauty shop run by a company called XXXX XXXX. The money was deducted from my Bank of America checking account on that day. The orders were then cancelled by the store which sent me emails to confirm that the orders were cancelled and that money was refunded. However, the money never was refunded to my account. Instead I called Bank of America and the company gave me a temporary reimbursement for each of the two transactions, which it then revoked on XX/XX/XXXX. 

I claim that this order was placed fraudulently using my Debit Card. I have never made any similar purchases at beauty stores, especially not in the wholesale quantities indicated here. In fact I have seldom made any beauty store purchases, a fact that is born out in the 15 year banking history that I have with Bank of America. Furthermore, I am a XXXX XXXX by trade and training and have no qualifications or inclination to go into the beauty business. I have been a sole proprietor of my own XXXX XXXX XXXX business since XXXX. 

I have a copy of the order details which Bank of America sent to me when it declined to uphold my claim of fraud. These order details state that the IP address that made the purchase was in XXXX, CO. I have been living in XXXX since XX/XX/XXXX and was there at the time of the fraudulent purchase. 

Additionally, the articles that were fraudulently purchased were never delivered to the address on the order and I never received any shipping notice or tracking information. I have tried to contact the company that the orders were placed at and their phone line is disconnected. Their web page says they are not open, and I don't entirely believe that the are a legitimate company. 

I have now filed a Police Report with the Police in the town I reside in when I am in the US. 

These fraudulent transactions add up to a significant sum. I have submitted and resubmitted fraud claims with evidence backing up each portion of my story above to Bank of America but they have denied each one saying that myself or someone with my information placed the orders and they were legitimate. They have now denied my third claim and refuse to open the investigation further. 

I would like to do something to get my money back, but I can't find the " XXXX XXXX  '' company to take to small claims court, and I can't get Bank of America to believe that this wasn't me who made the order in order to get them to refund my money.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (TX)

The lender, Amerihome Mortgage erroneously submitted a delinquent account for the period of 180 days in XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

On my XXXX & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.
Consumer complaint received 2021-08-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the Better Business Bureau since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-08-13
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: Bull City Financial Solutions, Inc (CT)

I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  in collaboration with Bull City Financial Solutions are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I received my consumer credit report from XXXX XXXX and XXXX  and there is an unauthorized Chapter XXXX Bankruptcy that is reporting and said to be verified by Lexis Nexis. I sent Lexis Nexis a letter on XX/XX/2021 to remove the item and have yet to receive a response.
Consumer complaint received 2021-04-01
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. (TX)

After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.
Consumer complaint received 2022-11-17
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)

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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
Consumer complaint received 2021-04-01
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. (TX)

After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.
Consumer complaint received 2021-04-01
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. (GA)

This is a confirmation that I am disputing several fraud inquiries on my Experian report. I tried to get a solution in the past. I sent Experian a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to Experian. Thank you.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OH)

XX/XX/2021, scammer hacked into professors email account and posed a research opportunity. First task did not involve money and appeared legitimate. Second task involved money. Asked to buy 3 gift cards at XXXX worth {$250.00} for the the research companys web fee based subscription online survey task. Money was subsequently used for scammers own benefits
Consumer complaint received 2021-04-01
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 (CA)

Nordstrom Credit is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in Nordstrom 's payment program that reduced my monthly payment. The first payment due on Nordstrom 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from Nordstrom stating they were attempting to collect a debt. During the call with Nordstrom, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The Nordstrom staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.