davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (AL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX ) XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2024-02-23
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2021-08-11
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. (CA)

There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX  XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX-XXXXXXXXXXXXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

ref : XXXX XXXX case ref # XXXX ( old case ) XXXX XXXX  XXXX  XXXX fl XXXX I have been trying to resolved mortgage total loan due since 2009 unsuccessfully after my modification and trying to get an answered for all fees added to total amount my loan had beed sold 3 times with not answered. I received conflicting information on XXXX total amount due. I had contacted Fay servicing and XXXX  XXXX XXXX involved on this transaction did not get resolved. I hired an attorney to help on the process and attorney from Defendant Fayservicing and XXXX  XXXX XXXX now want to filed a law suite against me to collect his attorney fees and waiving my rights to obtain information where lates fees and other fees added to loan amount come from. My mortgage had been sold 3 times since first originated from XXXX  fro {$270000.00} first mortgage. Needed to all fees added how they got this figures?. After I requested the explanation from Fay servicing my loan sold to XXXX XXXX XXXX  loan # XXXX. I felt I had not right and am demanding the answer from this predator lenders unsuccessfully.
Consumer complaint received 2024-02-23
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. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXXhas formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX XXXX their Mortgage company XXXX XX/XX/XXXX They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XX/XX/XXXX
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (TN)

XXXX has removed incorrect entry the report and the three major bureaus refuse to remove it from my report. I have long suffered from this willful violation of my section 604 rights for my fair credit reporting rights.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

I have repeatedly sent request to XXXX, Experian and XXXX that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
Consumer complaint received 2020-10-20
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: MORGAN STANLEY & CO. LLC (WA)

My credit rating for all three companies continuously shows delinquent charges even when Morgan Stanley & their Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by Morgan Stanley & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXXXXXX XX/XX/XXXX
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I'm trying to close a chargeback that I filed with my card issuer. My card issuer already closed the chargeback but PayPal hasn't. I filed a chargeback with XXXX because of a problem I had with an order I placed through PayPal. I closed the chargeback case through XXXX but PayPal still hasn't closed it yet and that is affecting my refund status. I filled out an affidavit form that they requested but they still haven't closed the case yet. The merchant that I ordered from through PayPal says that they will only refund me once the chargeback is closed. I really need this to be resolved as soon as possible so I can get my refund. 

PayPal Claim ID # XXXX Transaction ID : XXXX XXXX email : XXXX XXXX
Consumer complaint received 2017-08-06
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: WELLS FARGO & COMPANY (VA)

On or about X/XX/2017, I reported five credit card fraud transactions to Wells Fargo Bank totaling approximately {$4000.00}. I stepped into a XXXX XXXX and reported the fraud. All but two transactions were removed. Those two transactions, totaling {$790.00} were posted to my new card. It was subsequently determined that there was a breach in the Wells Fargo security and the bank determined I suffered from an account takeover. I reported again that these two transactions were fraud. The bank started an investigation and indicated that they determined they were legitimate transactions. I faxed a request for them to reconsider their decision and they reopened an investigation. In the meantime, I contacted the Wells Fargo fraud department and we determined that a " fraudulent '' fraud report was generated at the XXXX XXXX branch on X/XX/2017. The fraud report contained " fake '' fraud disputes of transactions of {$10.00} or less since XXXX 2017. These were legitimate charges. This is useful since I made credit card payments " validating '' these fake fraud disputes since XX/XX/XXXX. When the real fraud dispute occurred in XX/XX/XXXX, I had made no payment since XX/XX/XXXX ; however,  the history of making payment against " fraudulent '' fraud claims made the bank rule against me and forced me to honor the large transactions.The bank employee that filed the " fraudulent '' fraud report no longer works there. I believe she was part of the scam ( knowing the bank business rules about paying on disputed claims ) and Wells Fargo know this and wants to cover up by sticking me with the bill. Wells Fargo has refused to provide a copy of the fake fraud report generated on X/XX/2017. They also indicated in their rejection letter that no new information was made available. This is not true since we determined that fraud claims on transaction prior to X/XX/2017 were fake.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America offered modifications of 90 days despite the passing of the CARE Act guidelines on Federally backed loans. I accepted their offer for 90 days on my FHA but then started receiving delinquent notices. I decided to make the payment. Credit payment was not applied timely.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Capital Benefit, Inc. (CA)

My company struggle due to the Covid-19 pandemic. I am unable to pay my mortgage over the next few months. My representative XXXX spoke with XXXX, she advice that email the letter to request it and manager will get back to me. I email her and XXXX request for Forbearance on XX/XX/2020, XXXX email back the Forbearance Agreement on XX/XX/2020, later on they kept email Late Notice, but because they approved for the Forbearance so I trust them and did not know that they trick me and lied to me and start foreclosure my property without warning me. On XX/XX/2020 I received the Notice Of Default. My representative XXXX  talk to XXXX and she said that they have to file it to protect them self they do not care about the EXECUTIVE ORDER XXXX or COVID-19 State Foreclosure Moratoriums and Stays. Please help me to stop them illegal foreclosure on my property and please report them to the government to stop their wrongdoings to consumers. They try to do all this on purpose to make me lose my house and put me into Foreclosure. The bank violated the EXECUTIVE ORDER XXXX.
Consumer complaint received 2017-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX Hard Inquiry- XXXX Capital One- Hard Inquiry- XXXX, XXXX XXXX XXXX Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX
Consumer complaint received 2024-02-23
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)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2020-05-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (FL)

We applied thru Chrysler Capital and was pre-approved. When the dealer sent the deal in instead of getting us 0 % Chrysler came back at 12.8 % Tier 4. Upon Reviewing my credit report, we found a recent account 30 day late inaccurately reporting We notified XXXX, who removed the account. The Score models jumped up to XXXX ( the lowest to the highest of XXXX. On the Chrysler website it is advertising you need a XXXX. I was a victim of fraud, had accounts opened my name ( all were removed on XXXX and XXXX, XXXX  is showing one account left scheduled to come off in 18 days but is a small account showing 1x30 revolving card. So, there is no reason I should not get a 0 % interest rate. Upon relaying this info to Chrysler, they refused to repull my credit and rescore. Under the FCRA, If a credit furnisher finds an error, they must remove it. XXXX  did just that. Also, under the FCRA, the creditor must re evaluate the borrower creditworthiness based on the new changes. This is where Chrysler is Violating the FCRA and I am sure I am not the only Victim. This is a prime example of a Major Corporation taking advantage of its customers during a crisis.
Consumer complaint received 2022-08-06
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)

I am appalled by the ability of the Credit Bureaus to ignore a consumers ' request for the removal of unauthorized inquiries completely from my Credit report without providing proof of verification! These inquiries are unauthorized and were made due to identity theft. I have never authorized anyone to inquire something on my behalf and by continuing to report these inquiries without proper verification is a clear violation of a consumer 's rights under the FCRA. I am submitting this complaint to request the removal of these inquiries completely from my credit file : XXXX. XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX BANK XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Consumer complaint received 2020-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A travel trip was planned on XX/XX/2020. All international Travel by Federal order from the US Government on XX/XX/XXXX all International non-essential trips were forbidden due to the current pandemic situation. 
I had used " XXXX '' travel services to reserve some hotel stays. Before the trip, on XX/XX/XXXX I asked " XXXX '' to cancel my reservations and refund me explaining what the US Government had resolved on prohibiting all non-essential international travel trips. I also contacted my Bank of America Credit Card to let them know all international travel outside the US had been cancelled by the US Government. I filed a claim with Bank of America Credit Card to dispute the Hotel charges coming up in the future days. Bank of America Credit Card Services took my claim and decided to follow a dispute on my behalf. The dispute was going to take up to 60 days to get resolution. The 60 days were up this past Monday. The credit for {$240.00} was there all the way up to XX/XX/XXXX. Then, this XX/XX/XXXX Bank of America Credit Card presented this same {$240.00} charge again into my account. I called Bank of America Credit Card once again today XX/XX/XXXX until they accepted my dispute once more for the same reasons described above. Yet, Bank of America Credit Card services knowing all these exceptional reasons of a once in a lifetime pandemic situation that has made many Countries in the world to change their Travel policies and cancel many trips shall have honored the dispute without avail.
Consumer complaint received 2020-09-01
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: 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 {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.