davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Recently tried opening a new checking account for myself and was flagged by XXXX XXXX XXXX XXXX. They sent me my report which states i had fraudulent activity from Bank of America in 2016. I have never had my own BOFA account. During that time i was caring for a elderly family member i had a power of attorney to deal with all activities. And went into rhe local XXXX XXXX NY branch to be added to her account and the branch manager gave me a hard time and did not want to except it. This is hurting me from opening my own accounts. It needs to be resolved with bofa so i dont have to seek legal counsel.
Consumer complaint received 2022-09-12
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. (MD)

I contacted XXXX XXXX in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

in XX/XX/2020 I pulled my credit report and my XXXX XXXX in hope of purchasing a new home to find out someone has opened accounts in my name with out my authorization I contacted them but they refused to remove this fraudulent erroneous item from my report. below I will attach proof that I was a victim of identity fraud.
Consumer complaint received 2020-07-16
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: CITIBANK, N.A. (FL)

My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Consumer complaint received 2020-07-16
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: DISCOVER BANK (FL)

My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by me.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (GA)

I have sent several letters to XXXX/XXXX, and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Consumer complaint received 2020-07-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (OH)

Customer has an account with GM Financial. Customer inquired about Relief Program. Customer asked for assistance with his payments due to the coronavirus crisis in his state. On XX/XX/XXXX, customer called to be enrolled for the relief program. Customer was informed that he qualifies for the relief program because customer had never missed a payment since he signed the loan with GM Financial in XXXX of XXXX. Customer was approved for the enrollment and given a pin number to enter on GM Financial website. The GM Financial website system did not allow customer to log in and finalize the enrollment. 
I called on XX/XX/XXXX. I also called from XX/XX/XXXX to XX/XX/XXXX and was unable to speak to any of GM 's  representative. I send GM Financial a letter to notify them of their system failure explaining to them that their website is not allowing me to complete the enrollment. 

Customer sent another letter to GM Financial asking them to help with the enrollment and to correct the inaccuracies on my account statement in XXXX, XXXX. GM sent me letter about debt validation. Customer sent another letter clarifying that he did not ask for debt validation but was asking for assistance in completing the Relief program. 
Not once did I claim that I do not owe them. I have been making my payments, therefore, I accepted the debt. 
GM refused to assist me and instead sent me a letter dated XX/XX/XXXX, stating that : they are unable to proceed with my request because 1 ) sufficient information to identify the account such as account number, name address and telephone number were not provided 2 ) the specific information the customer is disputing 3 ) all supporting documentation or other information reasonably required was not provided. 
However, customer provided GM Financial with all that information. Is GM relief program or assistance during the coronavirus crisis a shell? Do they really want to help customers or hurt them during these vulnerable times or is it because of my last name? 
On XX/XX/XXXX GM had my vehicle repossess. I called their XXXX number to asked why they repo my vehicle. I was informed by a XXXX XXXX id # XXXX to pay {$2000.00} if I want my vehicle. What kind of unfair and deceptive practice that is not in alignment with consumer laws is GM Financial practicing?
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted XXXXXXXX XXXX  in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX XXXX XXXX XXXX XXXX, NC XXXX has been my home for over 10 1/2 years, my mortgage lien holder was USAA, which they have void their own contract with me and my husband. USAA from the beginning of my loan XXXX who said they messed up all paperwork and returned it back to them with all payments, 2nd was XXXX after an audit they returned it back, 3rd XXXX, and 4th XXXX during the whole process of the loan. During my bankruptcy USAA was over paid during XXXX through XX/XX/XXXX from the NC Trustee, an investigation implemented which took USAA 3 years and I heard nothing. USAA set on this paperwork and at the end of the fourth year offered a modification, which in the modification had some words that covered their mess and time lapse. We hired a lawyer for another 3 years went by, and USAA has now, pushed to take our home again. They said we have three options to reinstate from the bankruptcy and paid in full, next is short sale, last is vacate property. USAA feels like the laws of NC do not apply to them, nor do they regard the process. I am granted 30 days to make a decision for the 3 options, and because I put in a complaint with two agencies they have taken these options off the table. The letter was delivered to my house on XX/XX/XXXX, but dated XX/XX/XXXX, not allowing any time to do any rebound. Auction for my home has now moved up to XX/XX/XXXX, given me less then 30 day to find a solution to my housing situation. My husband has served this country and still serves ; we should not be treated in such a matter. We went through financial hardship, and we have recovered and USAA is trying to say we have a negative NPV, which I believe is in correct. The appraise of the house is less then what they are asking for, XXXX XXXX XXXX XXXX Modification rep, I spoke to XXXX XXXX, I also left a message for XXXX XXXX XXXX XXXX. This is my second attempt to get assistance by the State of North Carolina.
Consumer complaint received 2020-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

XXXX, XXXX  and Experian failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,
Consumer complaint received 2024-01-31
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. (TX)

I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts from my credit report.
Consumer complaint received 2022-09-12
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.
Consumer complaint received 2020-07-16
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (LA)

XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX trident asset manageme {$720.00} XX/XX/XXXX XXXX   XXXX {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Consumer complaint received 2021-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the 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. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC (CA)

I hired a credit repair company as the credit bureaus were violating my FCRA rights, and I couldn't get them to fix errors that were on my report. I thought that they'd be able to do better than me. I was able to get one account off of my report prior to purchasing their services, and it was removed after I'd obtained them. However, it's been over a year, and they've only managed to get one account off. I have asked for a refund, or some results. They claimed that I would get results, and to this day, I still have not seen any more accounts removed.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated
Consumer complaint received 2020-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, TransUnion and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrect reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? 

Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit report or update the late payments to paid as agreed,
Consumer complaint received 2020-05-01
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. (TX)

show tooltip button XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute. 
sent ftc violations attached ftc laws these companies violated
Consumer complaint received 2024-01-31
Product: Credit reporting 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 checked my credit report and saw an inquiry from XXXX of XXXX XXXX, I sent a dispute requesting my permissible purposes 15 U.S Code 1681b, proof I permitted them to access my credit report I did not recieved any documents. I reported it to Experian requesting for permissible purposes they could not send me any proof. Experian does not follow the law, they do not care who they destroy for money
Consumer complaint received 2022-09-12
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. (FL)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In XX/XX/2021 I received a bill for {$99.00} dollars and change on my MasterCard from capital one. This charge was for a subscription from XXXX. I had been getting these charges every year for awhile. I would call capital one and dispute this charge and they would issue me a new card and disallow the charge from capital one. The problem was, they would then give my new card number to XXXX and the next year it started all over again. I am being charged on a reoccurring charge that I did not authorize nor want the service. I tried to call XXXX, but the phone numbers provided to me by capital one and rivals are bogus. I had to end up paying XXXX after added fees. For a fraudulent charge from rivals and they were helped by capital one.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

i am locked out of my online account for american express i am unable to reset my password and have emailed and spoken to representives who send me links to reset and software issues on there security side refused to take any variation. they claim they would have reached out to me.
Consumer complaint received 2021-07-15
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. (GA)

This will be my second or third complaint with Equifax consumer services, about the matter of the same issue. I have two unauthorized inquiries on my credit report with Equifax. At first I was told that the inquiries had been removed but got a letter stating that the inquiries had been deleted, then I obtain a copy of my credit report to my surprise I see that the same to inquiries had been put back on my credit report without my knowledge. I called in and was told that I needed to send in a copy of my police report I made with the local state police department in my town, along with a copy of my identification i.e drivers license, and also a list of with the inquires along with the dates of each inquiry. I faxed in those documents XX/XX/2021. I called back and spoke to an agent, I was told by one agent in particular who works with unauthorized inquiries in the fraud department name ( XXXX ) that I would have to provide a police report and a copy of my identification. I told him sent them in and then I called and explained to him my situation and told him that I had been trying to get these unauthorized inquires removed from my credit report for a bit, and he was very insensitive to my situation and told me that my police report that I had made was invalid, and that I would have to make a new police report with the stated inquiries listed on the police report because " it is what the law states. ''. Why wasn't this knowledge made known to me when I first notified you about my unauthorized inquiries? Why do I keep getting the runaround about two inquiries? I understand that pursuant to the FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) states that all you need is a police report claiming identity theft and a " copy of a standardized affidavit ''. I have provided both and still no resolution. This is ridiculous.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (TX)

When I had COVID they agreed that the account would not be reported late for XXXX of 2020 failure for this company to correct there promise will result in me taking the full action allowed by the CARES act of the UNITED STATES OF AMERICA and I wil discontinue any future payments until a resolution is decided by the local courts of law