davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The father of my children admitted to stealing me and my XXXX childrens social security information. A police was filed. I recently found all these phone numbers and addresses that I have never used or lived in on my credit report this has all been done over the last few years. The addresses crossed out in the attachment are residential areas Ive never lived at. Even a XXXX Tx address. I am currently repairing my credit and came across all of this information. I believe it to be an act of fraud in order to destroy what credit I have and the credit I am currently working in the obtain better credit. I have a current freeze on my credit with TransUnion and XXXX. I believe this information has been given out by XXXX XXXX XXXX and his girlfriend XXXX XXXX XXXX. Please HELP!
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (MO)

I sent an identity theft affidavit to your consumer reporting agency. Their are several accounts and unauthorized inquiries found on my consumer report that are identity theft related. You sent me a letter stating the identity theft affidavit was sent in error. It was NOT. I sent the identity theft affidavit. You are required by FEDERAL LAW to block the accounts from my consumer report. You are in violation of 15 USC 1681 c-2 ( a ). You are also in violation of 15 usc 1681b. I did not give you consent to furnish any of my information. 15 usc 1681n lets me know that any person who willfully fails to comply will be responsible to pay actual damages up to {$1000.00} per violation. I have mentioned two violations. In this report so far. I would advise your consumer reporting agency to comply and abide by federal law.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
Consumer complaint received 2022-04-07
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. (GA)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2021-12-04
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account XXXX is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does Experian keep posting old information and inaccurate information. 
My.lowes account is a settlement XXXX balance. Experian is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I mailed a dispute letter to Equifax XXXX XXXX disputing the accuracy of a list of accounts. In this letter I included my full name, date of birth, social security number, as well as a copy of my driver 's license with a comment that it displays the correct and current address. I received a letter in response from Equifax stating " We were unable to locate a credit file in our database with the identification information you provided. '' This is false because I have received several alerts that they have updated my credit file after having received my letter of dispute. On four of the updates Equifax left a comment on the accounts that state " Consumer disputes-reinvestigation in process ''. This is verification that Equifax has in fact been able to locate my credit file with the identification information given in my dispute letter. This appears to be an attempt to either evade responsibility and unethically prolong the Fair Credit Reporting Act 's dispute window of 30 days. I have responded to Equifax with another letter pointing out their error and I expect for the disputed items to be removed if they can not be properly and thoroughly verified and validated within 30 days of my initial dispute letter.
Consumer complaint received 2021-02-26
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. (GA)

On XXXX/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts from my credit report.
Consumer complaint received 2021-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (NC)

I called AWA collections services to inform that I received a hospital bill from XXXX XXXX in Tennessee. I advised AWA that I have never in my life been to Tennessee. Someone used my social security number and a wrong last name fraudulently, The person used the last name XXXX XXXX which is not my last name, but they used my social security card. Awa said that there is nothing they can do about it. AWA suggested I called the hospital billing department. I called the hospital billing department in Tennessee and was told that they can't find that account. Last year I had to file a police report here in North Carolina because someone in Tennessee was working under my social security number. I called that employer and the person was apprehended and fired. I have been trying to resolve this stolen identity issue for years which has interfered with my XXXX XXXX XXXX Benefits. Please Advise on how to resolve this issue.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (MI)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDIT AGENCIES HAS VIOLATED MY RIGHTS. 15U5C 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN CONSENT. 15USC1666B STATES THAT A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America either sold or transferred my mortgage to XXXX without notifying me and all attempts to obtain information is convoluted and unclear because I always made my payments to BofA. However in XX/XX/2022 they returned my payment, then XXXX started preforclosure on my property in XX/XX/2022. My XXXX  XXXX records show all payments to Bank of America were cashed.
Consumer complaint received 2021-12-04
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: Self Financial Inc. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

SELF / LEAD XXXX Balance : {$0.00} ;
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

I provided my social security number and opened a new checking account with Chime.com ( https : //www.chime.com/ ) on XX/XX/2021. 

Immediately, I received a welcome email stating that my account had been opened successfully. But then the very next day when I tried to access my account online, it stated that my account has been locked and I should email XXXX to unlock it. 

It never provided any reason why the account has been locked. I never received any kind of email, or was contacted in any other way, with any kind of explanation at all. 

Following their instructions, I emailed XXXX on XX/XX/2021, asking them to unlock my account. But I received no response whatsoever, no even an acknowledgement that my email has been received. I emailed them again on XX/XX/2021. But thus far, I still have not received any kind of response from Chime. 

I am beginning to suspect that Chime may be just a scam to get my social security number and personal information, and is not a valid, trustworthy banking institution at all.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NV)

I have never signed or agreed for this bank to cover my over draft fees but they continue to do so on their own and charge me large amount of over draft fees.I do not want them to cover any over draft fees or recurring fees if there are no funds in the account I want them to stop that immediately and I want to OPT out immediately for any overdraft fees being covered.
Consumer complaint received 2019-06-03
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (GA)

COLLECTION AGENCY VIOLATED " MEDICAL PRIVACY ACT " HIPAA '', AND FDCPA, FCRA, FCBA '' REPORTING ID FRAUD ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH MEDICAL PROVIDER XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-27
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. (NJ)

I booked XXXX plane tickets using my Chase credit card with XXXX XXXX XXXX round trip XXXX to XXXX XXXX leaving XX/XX/XXXX, returning XX/XX/XXXX. The flights were cancelled. I have contacted Chase on the following dates to get my refund : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was initially told my refund would take 10-12 weeks, then on XX/XX/XXXX was told 45 days ( which would have been XX/XX/XXXX ), then was told on XX/XX/XXXX that they would request again, and told the same when I called XX/XX/XXXX and then XX/XX/XXXX. Each time I was told they had contacted the airline but they were backlogged and unable to process my request. It was then suggested that I could try disputing the charge with Chase 's dispute department but when I attempted to dispute the charge I was told too much time had elapsed for a dispute. I just want a refund for a flight I never took. I believe my credit card company owes me this refund. Thank you. ( I have also filed a complaint with the US Dept of Transportation but have not heard back ).
Consumer complaint received 2021-02-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

XXXX emailed Nissan Motor Acceptance Corporation ( NMAC ) and XXXX  referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXXonsumer Financial Planning Board complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of Nissan from its credit report XXXX willingly continues to participate in Nissans fraudulent scheme. One of many of XXXX corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both XXXX and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : NISSAN-INFINITI lease # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact Nissan did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. XXXX  respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that Nissan # XXXX is totally removed from my personal credit report. 

XXXX   has been repeatedly advised to request of Nissan Motor Acceptance Corporation its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX XXXX notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED 4/18/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*AA/AS I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to XXXX there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | NMAC XXXX XXXX Credit Report # XXXX is FRAUD.
Consumer complaint received 2019-06-03
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.
Consumer complaint received 2021-12-04
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: TRUIST FINANCIAL CORPORATION (NJ)

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a victim of the 2016 " XXXX Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report