davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (WI)

My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have banked with Bank of America for several years. Several months ago someone broke into my apartment and stole several identity documents and cards. I filed a police report. After the theft I noticed several unauthorized ACH debits from my Bank of America checking account. I notified Bank of America of the unauthorized ACH debits. This happened XXXX times. After noticing that my debit card was missing I went into a Bank of America branch and requested a new debit card and told the banker that my card had been lost/stolen. The banker did not close my old card and charges continued on that card. When I noticed the charges I called Bank of America and told them and demanded they close the old card and disputed the charges. A few days later my account was frozen by the XXXX XXXX an access to my accounts was restricted. During the holiday season when I need access to my money the most I have been locked out and can not access my funds due to no error of my own. My accounts were all in good standing all with positive balances. I had a Bank of America credit card that I never missed a payment on. Basically someone robbed me, stole my identity, I follow the advice of the Bank and reported it to the police and put a fraud alert on my credit profile and the Bank decided to punish me for it. Police report info : XXXX Police Department. Report XXXX
Consumer complaint received 2024-03-23
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: LEXISNEXIS (NC)

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record chapter XXXX XXXX. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX North Carolina and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of 1974. So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Transunion has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up .Transunion has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. Transunion has ignored my request and you are now in default. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
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. (MD)

To whom it may concern I have 14 unauthorized inquiries on my equifax credit report. I have contacted these creditors and I was told to contact equifax to have them removed. I have sent letters and called and they still haven't removed these inquiries. I am demanding that equifax remove these inquiries from my report immediately within upon receiving this letter. I did not authorize any of these inquiries. I have attached the report. 

1. Equifax Mortgage Ser XX/XX/XXXX 2. Equifax Mortgage Ser XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7XXXX  XXXX XX/XX/XXXX 8.  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX XXXX XXXXXXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-08
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: Santander Consumer USA Holdings Inc. (MA)

Hi Santander CONSUMER USA/XXXX/XXXX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (SD)

Since XX/XX/XXXX I haven't been able to cancel any XXXX orders. This results in those funds being reserved to cover the pending future orders, which will likely never get filled. In the past I had no problem canceling these orders and it's a common process. I attempted to reach the company via their support channel, but no response. 

The message in the little red flag that pops up is : " The provided account is restricted and can not perform this action '' but my account is NOT restricted. I can trade and withdraw without a problem. I am not the only one affected by this issue and it is costing me thousands in missed opportunities. I can't imagine how much money Gemini has locked up in fake account restrictions because I've found this exact situation described by others online but no evidence of any resolution. 

The total funds being held XXXX : {$3200.00}. I imagine other 's are much worse off.
Consumer complaint received 2021-11-11
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. (NV)

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

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau 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 is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry DateXX/XX/2020 ;
Consumer complaint received 2024-02-18
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. (KY)

I disputed the following accounts for identity theft and asked transunion the block them from my credit file as they were opened fraudulently as a result of identity theft I enclosed all the proper documentation and they still have not blocked the accounts from my credit file
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

AmSher Collection Services appears on my expiring credit report and is reporting inaccurate information about me. I have sent dispute letters to the credit bureaus and am requesting that AmSher produce a copy of the original contract to prove that a debt is owed. Simply producing monthly statements does not establish any sort of obligation. I am requesting that the CFPB investigate this matter further. I am represented by an attorney, no lawsuits have been filed. Please contact XXXX XXXX XXXX Esq. ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (IL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (FL)

I was made aware of an account in collections through XXXX XXXX. I disputed in XX/XX/XXXX and XX/XX/XXXX. Both say this is accurate. I have never used smile direct and have no knowledge of this charge. {$870.00} AMERASSIST AR SOLUTIONS XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Originally from XXXX XXXX ( XXXX )
Consumer complaint received 2022-04-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Reached out to all three credit bureaus to fix my personal information. They have not updated any of my information. Ive mailed, called, & faxed and none of my personal information was resolved.
Consumer complaint received 2021-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XXXX XXXX 2023, I called Capital One at the phone number on my billing statement to make an offer to settle up my total dept. and pay it off. 
The person I spoke to at or about XXXX XXXX XXXX  was XXXX XXXX. 
He got permission from his supervisor to except my offer to settle the account for a total of {$4000.00}. He mentioned I need to get them the payment within 30 days and close the account. They explained to me the methods I could use to pay this amount to them and I agreed to the terms. 
Then days later I get a Collections letter with Capital One logo that is dated the day after I made the call and both parties greed on a settlement. The letter stated that they have sold my account to a company and transferred my account info to them. Yet the letter states that they are pursuing for a balance over nine thousand dollars. Which is more then even the stated amount that I was told I owed while on the phone with Capital One. 
Clearly Capital One is in default of our phone agreement binding to settle and is playing an illegal game. 
The letter says NOT to send Capital One future payments.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

A Fifth Third Bank employee pulled my credit report thru XXXX  on XX/XX/XXXX and opened a credit card in my name without authorization or a request from me. I discovered this while refinancing a mortgage thru my credit union at that time. I contacted 5/3 immediately and had the card cancelled. The 5/3 employee I spoke with stated this was done in error and would not forward my complaint to management that this was done intentionally. I used to work at 5/3 and fully understand the sales goals placed upon the staff and have a good understanding of what occurred. The CFPB is currently suing 5/3 for these actions. 5/3 has scrubbed the unauthorized card history from my profile as of XX/XX/XXXX. I have a copy of my XX/XX/XXXX credit report showing the enquiry.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (AZ)

I was altered by my identity theft protection through XXXX XXXX  that someone had opened an IKEA VISA card in my name. They ran my credit report. 

comenity capital ikeavc is the alert i received. I have attempted to contact the fraud department at the credit card company without any luck.
Consumer complaint received 2022-04-27
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. (TX)

The following credit inquiries on my Experian credit report are unauthorized AND not made by me. According to the FCRA all unauthorized records/inquiries should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau in this report have refused to delete these inquiries when I reached out to them and requested such deletion. Here are the unauthorized inquiries : XXXX XXXX XXXX Inquiry date : XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have also asked Experian to update my address to : XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX AND delete all other addresses. I have filed a previous complaint and they failed to make the right correction. This has made me vulnerable to identity theft due to the possibility of my mail going to addresses I'm not associated with.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX and XXXX XXXX are both from XXXX, Tx and for the past 3 years, they have been hacking into my XXXX, XXXX  XXXX XXXX, and Wells Fargo account. My real savings is in a secure account that they can not get into so yeah.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-11-21
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. (LA)

XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account Equifax, and XXXX are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.
Consumer complaint received 2021-11-11
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of Inquiry : XX/XX/2020