davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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. (NJ)

I have enclosed documents to prove these accounts are fraudulent and XXXX still have removed them. Under 15 US 1681c-2 These accounts should be removed> I'm enclosing supporting documents ( Notizied Affidavit, FTC report , past Police report and a present police report. )
Consumer complaint received 2023-08-08
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from 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 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
Consumer complaint received 2021-07-20
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. (MO)

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, transunion, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Consumer complaint received 2020-07-10
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA offered a balance transfer of 1.9 APR on all transfers. I obliged and requested a XXXX transfer to be paid to a XXXX XXXX XXXX XXXX which is serviced by a company called XXXX XXXX. 

XXXX XXXX, upon receiving the check, incorrectly routed the check to XXXX ( I am not a customer of theirs ), who services XXXX XXXX lines of credit. 

This check was issued on XX/XX/XXXX by XXXX XXXX ( who I am not a customer of but obviously has some affiliation with USAA ) on my behalf for the XXXX amount ( I have proof of the check and that it was cashed by XXXX ) I then spend the next 3 months arguing with all parties above on how to get the balance transfer back from XXXX to XXXX while all of them claim to have no wrongdoings or mistakes in the process. After 3 months of arguing with customer service reps I wrote an email to the CEO of XXXX. 

That led to a phone call by their executive response team who has been able to apparently track the money down and they are now reissuing the funds back to XXXX XXXX. 

But now I have no affiliation with XXXX XXXX and no way of getting that money back from them. 

USAA claims to have no affiliation with XXXX XXXX DESPITE using a check from XXXX XXXX as proof they carried out the balance transfer. 

They are not helping me to reclaim the money from XXXX XXXX now. 

If that isnt a textbook definition of fraud I dont know what is.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America credit card showing balance due $ XXXX this was discharged thru XXXX final on XXXX -- 2022 they are reporting a balance due incorrectly and cause harm to my my personal finances
Consumer complaint received 2021-06-28
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: Fidelity National Information Services, Inc. (FNIS) (IL)

There are 2 accounts on my report I disputed. I explained this bank put these accounts on my report after my bankruptcy and they were included in the bankruptcy. Chex system Constantly states the bankruptcy was filed prior to the dates associated with the account. Yes it was in XXXX of XXXX and this company report XXXX of XXXX after they were included in the bankruptcy.
Consumer complaint received 2019-11-05
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. (FL)

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND TRANSUNION. NOTHING HAS BEEN DONE OR SAID BY XXXX. WHY HASN'T XXXX   DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER XXXX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Consumer complaint received 2023-03-24
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. (FL)

This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX & XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2020, PayPal froze my account and the sum of {$16000.00}. They say I violated there buyer protection agreement but after reading that agreement. I in no way violated said agreement. On XX/XX/2020 they placed a hold on my funds for 180 days because of charge backs and complaints but that would be impossible because the money was a loan and the person who loaned me the money had there account banned as well so even if they wanted to complain they couldn't. PayPal is refusing to release my funds to me under this facade. I feel like I'm being bullied by this company and they have lied to get me to pay outstanding balance using my locked funds as leverage even deducting the funds from the locked account. please help me with this matter PP-LXXXX is the case number to this matter
Consumer complaint received 2022-02-02
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. (OR)

After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & EXPERIAN as well as the data furnisher/creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA ) XXXX 4 of the companies has failed to provide documentation in regards to my request regarding inaccurate reporting of a charge-off in 2017, my request per FCRA 623 laws of how the alleged investigation were done. A manager from XXXX XXXX sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by XXXX XXXX to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have been sharing illegally. This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. An investigation in the practices and integrity of this specific financial institution ( XXXX XXXX ) is needed ASAP.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

I have a personal checking and savings account with Wells Fargo I also have a business LLC account with Wells Fargo checking and savings and had a business LLC credit card the credit card I believe I had for 2 years or more never missed payments have been late about six months ago I can only make the half of the minimum monthly payment and they closed my account for that 2 months later somebody called me from Wells Fargo wanting full payment on this business credit card and I told him you guys close the account I signed up to make payments not to make a full payment that I can't afford in one shot so here we are phone call disconnected cuz we didn't reach a mutual agreement XXXX speaking on this day XX/XX/2019 I had roughly close to {$5000.00} in my business checking account Wells Fargo credit services I guess went into my personal savings and withdrew {$5400.00} to pay off a credit card that was a business LLC the user agreement says they're governed by South Dakota laws I live in South Carolina the user agreement speaks on offsets and it was on the back of the business card agreement so naturally you think that it's speaking on behalf of businesses when it's referencing but it doesn't mention anything about llc 's and corporations company Etc business assets differentiate between personal assets I'm no attorney but I think they broke the law by crossing over accounts on top of that there was money in the business account in that account that they were true the money from also has my kids social security death benefits that is in there also that are minors XXXX old enough to have their own bank account
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.
Consumer complaint received 2018-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (TX)

I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?
Consumer complaint received 2020-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (CA)

I have had a open line of credit with Advance Financial 247 Online for  over a year. At the onset of the COVID situation I called to make payment arrangements or to see if they could offer any type of assistance, as I was not able to make my regular {$440.00} bi-weekly payment. The customer service representative was very kind and set up my payment arrangements for {$200.00} and this went on for about 6 weeks. I missed one arrangement due to being at ER, by one day and ever since then they have been taking unauthorized payments out of my account citing that it was due to the broken arrangement. It has now been over six weeks since that broken arrangement ; I have been in constant contact with the lender to confirm my " arrangements '' and each time they have taken payments in advance of the date that I promised to pay and additional payments within 2-4 days after citing that it was due to no arrangements being set. 

Example : I set an arrangement for payment of {$200.00} for XX/XX/XXXX. The lender initiated payment on XX/XX/XXXX for XXXX and another payment of {$370.00} on XX/XX/XXXX. 

They have done this 3 times ( approximately every 2weeks ). The very first time caught me off guard. When I called to dispute it, I was told that it happened because after they took my scheduled payment ( days  before it was scheduled ) that there was no arrangement in place, so they took the regular payment. I wasn't happy with the resolution, but let it go and set up a new payment arrangement. They did the exact same thing with the subsequent events, each time I called 3-4 day prior to confirm that there was record of my arrangement, clearly to no avail. 

As of XX/XX/XXXX, I have verbally revoked their ability access funds in all of my accounts.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (GA)

I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NC)

In XX/XX/2018, I sent a letter to XXXX concerning payment for a debt. I requested them to remove this debt amongst all the credit bureau 's if I paid off my entire amount. They responded and said yes they will. On XX/XX/2018, I spoke with a representative named Ms. XXXX. I again asked her if they would removed this debt if I paid, she said she would submit my request to a supervisor and for me to call back. I called back not too long after, and they again stated they would remove this debt completely off of my credit report. Up until XX/XX/2018, this debt has NOT been removed as stated.
Consumer complaint received 2023-01-09
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)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i notified Bank of America that my information was in face compromised. I provided them with the FTC Identity theft affidavit. I went to a local branch where i explained what was going on. The banker insisted that i open a new checking account for my protection. So i opened a new account awaiting for bank of america to take action against the account that fraud was committed on. They did absolutely nothing with information i provided to them. They left the account open to rack additional fees for months.They took a entire check from the IRS i deposited in the amount of {$1300.00} on XX/XX/19 to fund an account that i reported has resulted in account takeover / identity theft i'am requesting my funds as well as the money that was taken from me in the deputes which i have provided all needed documentation the dispute # is XXXX
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (GA)

Letter was sent to collection agency and received XX/XX/2018 per their stamp on my letter. 
Letter asked for them to validate the debt information I pulled from my credit report. I never received notification of this debt from the collection agency. 
Their reply advised me, they searched their database and are unable to determine if I have an account in their office with the information I provided.