davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Self Financial Inc. (NV)

XXXX Previously I filed a complaint with CFPB against SELF Lender. 

Self lender received my emailed cancellation request and responded with an with a cancellation email. 

This was all done within 30 days of my account being opened. 

There was no bill! 


The reason for this complaint today as of XX/XX/2020. 

SELF Lender going by this name, XXXX XXXX XXXX has reported me to the credit bureaus. 

They have my status as CURRENT and they have me with a balance of {$1600.00}. How is this all possible on a closed account with no balance? 

This will be reported and disputed with all credit bureaus and I am seeking legal advice if this doesn't get removed from my credit files immediately. 

This false information has dropped my credit score.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts Below : Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX I dont have the full account number but I wrote the numbers reporting on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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 — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

I opened a dispute since XXXX with XXXX regarding an account wrong in my file from XXXX XXXX, I never opened an account with them. I called them today XX/XX/21 and spoke XXXX XXXX XXXX I think was her name from customer service and I gave her all my personal information and she did not find any account under my name. She recommend me to send a letter to them so they can contact me to open an investigation. I sent the letter today to see if I can resolve this situation that is causing me a lot of problems already with my credit. 

Also, I have the same issue with another account with Comenity Capital/CHLD, not mine and is in my XXXX credit file. I called them today also and spoke with XXXX in the secure accounts area and she said that she only have the account from XXXX which I paid in full in XXXX and it shows closed in their system but XXXX still have it open with normal balance I have at the beginning of {$500.00} something. XXXX then checked the one I saw in my file that I don't know what it is under Comenity Capital/CHLD and she said that there is nothing under this name that I only have the XXXX  which is closed since XXXX. She said that I was in need to talk with XXXX because apparently they added it by mistake to my file. I will not contact them back, I tried today and the rep. told me that their system was down and she could not help me the way I need it but she recommend me to open my disputes here and that would help to resolve my situation. I tried to buy a wash mashine that I need yesterday and it was denied because my score it's so low now that no one is going to give me credit until I fix the 4 accounts XXXX have in my file that are not mine.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Municipal Collections of America Inc. (IA)

On XX/XX/2020 at XXXX, XXXX XXXX XXXX MCOA called me about a debt collection. They could not provide me with my address and told me they had been sending letters to a different address. I told XXXX to not contact me further over the phone. I followed up the conversation by emailing their information line which was provided to me over the phone and told them to not continue soliciting me over the phone but instead mail any future communication. On XX/XX/2020 at XXXX, XXXX XXXX from MCOA called me about this debt collection. When I asked them what MCOA stood for, they disconnected the line. I then called the number back and informed them of my prior request to not be communicated with and confirmed that they were not calling to inform me they were ending communication with me or pursuing legal action. They have also conducted multiple back-to-back phone calls and when I attempt to screen them with my phone which allows for a transcription, they disconnect.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NJ)

I was trying to make both an XXXX & XXXX account which both use XXXX  and you guys will not connect with them for some reason. It is a very very much incobvience that i can not connect my account to these apps!
Consumer complaint received 2020-07-18
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: Credit Corp Solutions Inc. (IL)

I have XXXX XXXX that I monitor regularly and noticed that XXXX XXXX  from XXXX is on my credit report which I never used or have a XXXX account. Dates go back on this account from XXXX. I got married in XXXX with my husband and we bought a house together in XXXX. I also received a letter in the mail from Credit Corp Solutions collection agency from Utah, demanding payment for {$1200.00} and that is dated XX/XX/XXXX. I called the number on the letter ( XXXX ) XXXX, and spoke with a representative stated that I don't have a XXXX account. I then told them the address that they had on file was XXXX XXXX XXXX in XXXX, which I lived there 20 years ago with ex-boyfriend. The collection agency sent me a large packet of paperwork with detailing the charges to my address with my maiden name. Every charge in the packet is detailed in the name " XXXX '' and multiple similar charges repeat over several dates, which I don't recognize. In this packet, they demand me to complete, notarize and return to them. They have my current address, social security number and date of birth. I filed a police report with XXXX police department and also spoke to the fraud department at the bank about this situation. Bank told me there is no money coming out of my account and debit card is fine, bank told me that they are fishing for someone to pay this bill. There is an investigation on this case and here is the police report number : XXXX. I was at work on XX/XX/XXXX and I got a call at XXXX XXXX, from an anonymous number, which I didn't answer, who did leave a message, which was Credit Corp Solutions calling me about returning the pack. I called them back to tell them to stop calling me on my work phone and I'm not returning the packet with my signature on paperwork. 

Thank you for reading what I had to say. I hope this helps everybody who is having the same issue as I am.
Consumer complaint received 2020-07-01
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)

XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXXDispute ftc violations filed
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Someone opened a XXXX account many years ago and this collection agency placed a XXXX $ payment on this fraudulent debt to extend the negative mark on my credit report for an additional 7 years. 
Unethical in the actions of the collection agency
Consumer complaint received 2021-09-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Credit Bureaus continue to ignore all proof of claims regarding a dispute for over 6 months now with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing to correct my information on all bureaus credit sites. 

I now am PETITIONING FOR ARBITRATION for Transunion, XXXX, And XXXX, for this matter, and matters within XXXX XXXX XXXX XXXX as the company continues to falsly report inaccurate information in collusion with these third party credit bureaus, As well as trying to collect a debt.
Consumer complaint received 2020-07-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern my name is XXXX XXXX. When applying for unemployment I was given the option to receive direct deposit I checked to have it sent to my own personal account and summited the application. I got approved for unemployment and logged on to my account on unemployment and seen a payment was sent to me in the amount of XXXX on XX/XX/2020 but when I checked my bank account XXXX with Bank of America nothing was there. I checked again the next day to see if any deposits came to my account then I noticed the last 2 digits of my Bank of America account number was wrong. Instead of my account XXXX It had XXXX I contacted Bank of America to let them know what happened and they told me if the account name didnt match the name on the direct deposit it would be rejected. I called unemployment several times to see if the payment was rejected no one was able to help me. I finally went inside Bank of America and explained everything that happened and spoke to a branch manger name XXXX XXXX, she informed me that the wrong account number that my money went to is an active account and the direct deposit did go through to someone elses account she said she can see the direct deposit was made out to me and came from the unemployment office and it was a business account that my money went into. She filed a claim and they notified the person of that account. The person of the account did notice a mistake had been made and agreed to sign and email a ACH authorization form to have the funds sent back to the correct account. It has been 2 months and I still have not received my money. XXXX XXXX the branch manager I spoke to is located at XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX and can be reached at XXXX. I can be reached at XXXX account number XXXX or XXXX XXXX XXXX whos name is also on the account with me. 

I read on channel 9 news XX/XX/2020 same thing happened to a older couple by the names XXXX XXXX and XXXX XXXX who put XXXX in wrong account said it was a nightmare just to get it back from Bank of America after weeks of calling and having to go on XXXX XXXX news got their money back and a extra XXXX for the troubles I think same should happen for me as well. Give me my money back and XXXX extra for my troubles its been 2 months.
Consumer complaint received 2024-02-21
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. (FL)

I recently pulled a copy of my TransUnion credit report & noticed some unauthorized fraudulent collections & addresses reporting. I certified a letter via USPS under tracking # XXXX delivered date XXXX XXXX, 2024, requesting TransUnion verify these inaccuracies according to the Far Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) providing original consumer contract ( with my signature ). Enclosed in the envelope was 5 documents including dispute letter, affidavit ( signed & notarized ), copy of passport, copy of ssn card, bank state ( address verification ). 

It has now been well over 30 days and this unverified information remains on my credit report. This has hurt my ability to obtain credit which is affecting my wellbeing. All supporting documentation will be attached.
Consumer complaint received 2022-09-12
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. (FL)

Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I found out I was a victim of the Equifax data breach so I sent letters to the bureaus last summer asking them to remove all of the inaccurate accounts off my credit report. Fast forward months later and nothing was done so I sent another letter certified mail to them but still no response. Now I'm asking you all to do whatever you have to do to force them to remove all of these inaccurate accounts. I sent the last letter in XXXX so it's been well over 30 days and I feel like they're taking advantage of me. Maybe you all can fine them or something and force them to remove these items because it's ridiculous for them to keep reporting information that I've already told them is inaccurate
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CAPITAL ONE IS NOT REPORTING TO CREDIT BUREAUS AND IS RUNNING MY CREDIT BY REPORTING WEEKS LATER!! They will inform the bureaus immediately if i miss one payment, but when I make a payment early/on time, CAPITAL ONE will not update my payments for up to one month OR MORE!! 

I paid my credit card balance precisely one week ago and I also completed two separate payments to the exact same credit card. All of my payments have been deducted from my bank account and have posted to my bank account as well. The problem is that I called capital one about updating my available balance and was given an ultimatum. It has never taken more than 2 days to update. I have made and posted 3 separate payments to this credit card and the balance is {$1.00} but my available credit is {$0.00} and it has been that way for a week now. I believe that I was targeted by the senior account manager due to their extreme rudeness and me, clearly informing them that they are not helpful whatsoever and that my problem was not addressed or merely resolved. How can capital one just take our money and hold it hostage. 

This is directly ruining my credit score due to the fact that they are not reporting on time. This credit card is completely useless and it has only made my credit score drop by over 100 points. They only ruin my life and credit instead of helping make it better. I wish this company could be brought to justice!!!!!!!
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

THESE COMPANIES BELOW :
LVNVFUNDG AT C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX        ACCOUNT# XXXX & XXXX
                       AMOUNTS:   XXXX XXXX XXXX XXXX XXXX

XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX
                   ACCOUNT# XXXX        AMOUNT : XXXX XXXX

THESE COMPANIES HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNTS ABOVE. THE COLLECTIONS HAS BEEN REPORTED AS PAST DUE BALANCES. I DO NOT KNOW THESE COMPANIES. I HAVE NEVER DONE ANY BUSINESS WITH THESE COMPANIES. THESE COMPANIES DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-07-18
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. (IN)

Here we go again. I was notified by a company that I do business with that my credit rating went down. It went down because it showed I was delinquent on a payment on my mortgage. The credit reporting agency it showed as Trans Union. I called the bank that reported it and read them the riot act. They showed me the report that they submitted through all the credit rating agencies it was titled a uniform credit report as I recall. Its all the same information went to all the reporting agencies. The bank shows that they did not report me as delinquent. I called TransUnion and they claimed that the bank absolutely did report that I was Delinquent. I contacted the bank again they assured me they did not. I filed a dispute. The bank responded to the dispute at my request the next day. I then called TransUnion to find out why it takes 45 days to fix their mistake when Delinquent reports show up instantly. The lady then informed me that it was absolutely the banks fault. So I asked her to pull up all of the reports. She said she couldnt as long as the dispute was outstanding and asked if I wanted to cancel the dispute. I asked her if I cancel the dispute would she be able to see the report the bank just submitted in the prior report that the bank submitted in mid XXXX. She said yes. So I canceled the dispute. She pulled up the report from the other day that showed that I was never late in the day account was closed. She then stated she couldnt pull up the report from me but was able to see that the report stated that the account was closed and all payments are on time. And then I asked her to pull a previous reports and she said she could not and we all know the TransUnion still has that information. So today I checked my credit report and it shows the fix from the bank and it still shows theDelinquency report the Trans Union created on its own. So now my credit report still shows a false mistake by Trans Union and a delinquency that never existed. Why wont Trans Union remove the delinquent report that is false. When I asked Trans Union why only Trans Union showed the delinquent report and the bank said they never submitted a delinquent report and all the other reporting agencies did not show that they couldnt answer that so basically Trans Union was saying the bank was wrong XXXX was wrong XXXX was wrong and XXXX ( spelling? ) was wrong.
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATIONXXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations filed
Consumer complaint received 2020-07-01
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. (AR)

I have the XXXX XXXX XXXX  to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.