davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
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. (AZ)

There are multiple things that are wrong with my credit report and I have tried to fix these error 3 times now and now I have had to hire a firm to dispute this information because it seems Im getting no where with them to get these issues resolved. I have tried multiple times to get this fixed and they wont remove it. My first issue is with the over 40 hard inquires where someone tried to obtain a loan of some kind either online or with a personal loan company but i have over 40 attempts to get a loan that I cant seem to get any help to remove. 2nd thing is XXXX XXXX is reporting that I owe them money for a credit card that was a secured card not a credit card that i initially had to make a deposit of XXXX dollars and that was my credit line. Someone gained access to my card and went to a place that is now out of business and bought one drink at a bar multiple times and tipped the person XXXX and XXXX dollars multiple times. I contacted the company once I realized it and the owner told me what was going on so I reported it to XXXX XXXX and they were going to follow up and I never heard back from either one and since then I contacted the establishment where the card was used and they are now closed. XXXX XXXX and experian have done nothing to help me resolve these issues. 3rdly I  moved out of an apt and apparently the gas was left turned on even after I moved out I was told the tenant never turned the gas over into his name so I was charged for the 3 months that it wasnt switched over I eventually caught wind of it and contacted XXXX XXXX XXXX and they told me I needed to contact the new tenant and how am I supposed to do that from Arizona. This isnt fair the landlord should of made sure the new tenant signed up for XXXX XXXX XXXX rather then let my account be charged. I also had a credit lock on my profile for about a year so I dont know why I have multiple inquiries to obtain multiple car loans and personal loans.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$400.00} XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

The company ... Loan Care ... sent me a letter stating that the problem with them not applying my payment correctly was corrected ... It has NOT been corrected ... .my complaint previously thru you is # XXXX ... .I am having more problems and have received a letter stating that account has been corrected with a letter sent to me by XXXX XXXX XXXX of XXXX XXXX  and LOAN CARE .and that is NOT the case ... I can not log onto the website to check my account as it is preventing me saying I am past due with my payment ... again ... .not true ... ... please help me as my next step is legal ..this is causing me great anxiety and stress ... ..the mistake is from XX/XX/2021 and I can not understand how the problem is taking 4 months to correct ... My XXXX payment was received on 3-23 and incorrectly posted to principle ONLY ... .instead of principle and interest ... downhill from there ... all future payments have been sent but still posted incorrectly ....
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

Transunion reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in Violation, needs to be removed asap
Consumer complaint received 2019-08-19
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)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2019-08-19
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2020-10-27
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: TD BANK US HOLDING COMPANY (MA)

Why are you reporting this account inaccurately? XXXX  is reporting all good payments yet XXXX  is reporting just all charged off.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (IL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: EQUIFAX, INC. (WY)

Applied for a Business loan at XXXX XXXX, XXXX XXXX claims that Equifax provided information that was derogatory by reporting Serious Delinquency, Account history and too few accounts with on-time payments. 

I have excellent credit scores of XXXX - XXXX with exceptional payment history. My report shows good credit. 

I can not get a live person at Equifax to provide an explanation and XXXX XXXX will not provide a copy of the report they claim to have obtained. 

It is all highly questionable and need to resolve all fraudulent or inaccurate reporting. XXXX XXXX should also provide supporting documents for their claim.
Consumer complaint received 2020-10-28
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. (MA)

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andEquifax ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. 

I know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2020-10-28
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)

Good Day, I am XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-12-09
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. (NC)

I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NC)

I received 3 recent overdraft fees for the same basic issue. 1 each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( One of those was refunded after a prior CFPB complaints. The 2 still need to be refunded ).

I have online banking, I use the PNC app, and I am set up to receive a daily email warning when I have a low balance.

It is common to check online banking manually, and/or receive the alert email, and see a positive - but wake up the next day to find that not only has the account become overdrawn overnight, but the cooresponding fee has already been added. Basically a charge or charges post retroactively, creating an overdraft, and a fee is added.

This creates a situation where the customer has no opportunity to correct an overdraft before it occurs, because it occurs retroactively in the past. This despite using all tools the bank provides to track balance in real time. I have described this scenario in long detail to PNC reps. They agree that this happens, but will generally not refund the fee.
Consumer complaint received 2020-10-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX, XXXX  and Equifax have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2015 I had an account with Bank of America ( BOA ) that was hacked. I found out throw a rep someone went into the branch on the corner of XXXX XXXX and XXXX in XXXX TX and tried to cash checks on my account. They also were able to log in to my account. I request the Branch Manager show me the recording from the day so that I could see the person and we could get to the bottom of what was going on. I was informed by the Branch Manager that this issue would not receive any attention from the authorities because of the dollar amount being less the {$4000.00}. This was not a comfort to me because I had another account with XXXX that was linked to BOA. I contacted XXXX and explained what had happen they IMMENDATILY went into action to protect my XXXX account in which I am still a member to this day. 

I am now made aware the BOA has added a comment to XXXX XXXX against me for check fraud. I seeking assistance in getting this remove form my XXXX XXXX report.
Consumer complaint received 2022-10-11
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. (MA)

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 XXXX has violated my rights. 

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 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TN)

Request mortgage assistance for my home several times for my mortgage. I have had XXXX, 2 times. My mortgage company has not tried to help me keep my home and give me mortgage assistance. BSI has mailed me a letter stating the investor XXXX XXXX does not want to help me with mortgage assistance. I don't want to lose my home
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

I received a letter in the mail regarding a debt, I attempted to contact the number and couldn't reach anyone. On XXXX, I sent an email regarding the debt. I wanted in writing the information. XX/XX/XXXX, I received a letter from National Recovery Agency regarding a medical bill for XXXX hospital. I again emailed because you can't reach anyone by phone. On XX/XX/XXXX after sending an email. XXXX contacted me regarding the debt. I explained to her that I did not owe that amount, the amount I had indeed paid, and I supplied her with the balance I actually owed. She stated she would reach out to the company for settlement and would contact me back and even asked how I preferred to be contacted. I explained in writing, via email. She then said it would take a day or two for her to get back to me, but I would hear something. Fast forward to today and not one word and this debt has now been turned over and is reporting negatively on my credit. I have again reached out to National Recovery Agency regarding this, via email so that I have proof of everything and still have not heard one word as this sits on my credit report. I am unemployed due to Covid and explained that to XXXX and explained I wanted it settled. They have failed to do anything they stated. The conversation was recorded, as they all are. I'd like for someone to take care of this issue and take if off my credit!!
Consumer complaint received 2018-06-23
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: JPMORGAN CHASE & CO. (NY)

I got hit with a hard inquiry on XX/XX/2018 from chase manattan. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
Consumer complaint received 2019-08-19
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. (MD)

All the three credit reporting agencies , XXXX, Experian and XXXX  XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.
Consumer complaint received 2023-02-01
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 have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX  but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I applied for line of credit on my XXXX XXXX XXXX XXXX  ) back in XX/XX/2022 and bank employee who was helping me never disclosed that my personal credit will have an hard inquiry and was told to sign on a small screen where you can only bearly see 4 small sentences.just 1 signature and she handover hard copy and ask me to wait for few hours and I will get a call but after some time i received a notification on my email to my surprise and shock that there was a hard inquiry on my personal credit which I never authorized nor they verbally disclosed this in writing.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, reporting of the following accounts : XXXX, Account # : XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX XXXX XXXX, Account # : XXXX, the Credit Bureaus have violated my rights, under the following FCRA sections : 602 Congressional findings and statement of purpose [ 15 U.S.C. 1681 ], Section ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ], Section ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.