davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I XXXX XXXX am a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. CREDENCE RESOURCE MANAGEMENT are reporting and account in an attempt to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. 

CREDENCE RESOURCE MANAGEMENT is violating 15 U.S. Code 1692c CREDENCE RESOURCE MANAGEMENT are also violating 15 U.S. Code 1692b CREDENCE RESOURCE MANAGEMENT continues to state they are collecting a debt this violates 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Consumer complaint received 2024-02-28
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MD)

I called to close my account with TD Bank on XX/XX/2021. Im going to be charged fees for not having funds in the account. I transferred the funds so I can close the account. 

They will not close my account and I dont want to be charged fees.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I received a call from Bank of America for a credit claim in my name. I did not request this credit claim and did not authorize anyone to do so on my behalf. The amount in credit owed is {$2300.00}. I am an existing customer of Bank of America. I have already notified Bank of America of the claim being unauthorized. They locked my account under suspicion of fraud. I was a victim of identity theft and those funds offered through the claim were sent to people I do not know through bank transfers and XXXX. The amount taken out of the account was approximately {$2800.00}. This included over {$450.00} that was already in my Bank of America account. I called through multiple directories of Bank of America about my situation, opening my account or clearing this claim. They have closed my account and revoked the claim but still require me to pay the debt of the amount the claim is in.
Consumer complaint received 2022-05-02
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: WELLS FARGO & COMPANY (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2021-06-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Between, Experian, XXXX, XXXX Is a violation act of the FCRA Dispute reasons remove accounts because the reporting last payment and closed dates are inaccurate If they are getting the information from the same source why is different? 
The dates dont match Im reporting to e date last active because are inaccurate Plus Plus I never had receive any information from XXXX about this issues by mail Is my right to have it All this is wrong Plus nothing much in the dates last date active between any of the credit reporting agencies
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  In the FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The number for this item has no number, how can I contact them to discuss with the about the account? 

Please remove from my report
Consumer complaint received 2021-12-02
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is XXXX as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX )
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I  called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a XXXX XXXX. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a XXXX XXXX. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a XXXX XXXX, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.
Consumer complaint received 2024-02-28
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 
Account name : 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
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX sent me an email that someone had accessed my credit report & i had not applied for anything credit wise - i found a company called XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX had accessed my credit report without my consent- i called them and they said someone in California had applied ONLINE for a credit card in my name and they did not issue because of too many inconsistancies ... i ask them to remove the HARD hit from my credit as i had not signed anything or given them consent - i put fraud alert with the XXXX major reporting services- and sent them proof of my residency in Fl -- -- i sent a letter to XXXX XXXX Bank as well and called them which they kept telling me to send the info along with a FTC report to the credit bureaus and to date they still have NOT removed their HARD hit -- -- -why am i being punished and made to do all this work when they were the ones that illegilly accessed my credit report - and it was obvious from the beginning it was FRAUD so why will they NOT remove their inquiry?
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was sued for a debt owed to Bank of America around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to XXXX XXXX XXXX, XXXX. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from XXXX XXXX  XXXX. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (RI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-07-14
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/XXXX I got my credit report to check and make sure things were accurate and reporting correctly. I noticed there were inaccurate and unauthorized inquire that I didn't authorize. I contacted all 3 credit bureaus. I told them these inquiries were all in accurate and they still haven't rectified the situation.i have filled with the identity theft. I have a police report as well for when all my information was stolen on XX/XX/23. I advised the Credit companies ( XXXX, Transunion, XXXX ) that this happened and have gotten no help so please look into this.
Consumer complaint received 2021-02-11
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: General Motors Financial Company, Inc. (MD)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I hAd a total loss vehicle with prestige financial in XX/XX/2018. The remaining balance after the payment from gap company was charged off. I live in Virginia and per our state laws once a balance has charged off the can not continue to add additional interest to balance. I contacted this company several times and explained my concerns with this matter and the balance continues to grow with additional interest and is being demanded that I pay in order to resolve matter. Based on the laws in my state that is illegal and they can face a civil penalty based on this business practice. Im demanding my account be reviewed and a credit or refund is given for any additional interest that was paid to prestige financial towards the charged off principal balance.
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JTM Capital Management, LLC (WI)

JTM management phone number XXXX.

Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is XXXX XXXX XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to JTM management. XXXX XXXX number is ( XXXX ) XXXX. Attached is part of the second source of my income which is XXXX XXXX XXXX.
Consumer complaint received 2018-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, 1st Company : I went to XXXX to purchase a vehicle which I did, they checked my credit and used XXXX/XXXX in which I got approved. I did not authorize to be checked by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to talked to them and they said " no problem that could be taken out '' but they told me to contact XXXX to dispute this matter, I did contact them and they say to contact XXXX XXXX XXXX so I keep going back and forward and nothing gets resolved. 

I request to please remove those 4 hard inquiries ( XXXX XXXX XXXX ) from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance. 

=========================================================== 2nd Company : I called XXXX XXXX XXXX XXXX XXXX  to try to obtained a credit card called CapitalOneVenture, the application was submitted but had an error so they told me to re-enter the application. I was concern about the hard inquire for a second time but they say it will only be one, so only counting the inquire on XX/XX/XXXX and not the XX/XX/XXXX hard inquire. I noticed that it kept on appearing so I called them and they say they will be taking it off but it is still there and not resolved. 

I request to please remove the hard inquiries ( XXXX  XXXX XXXX XXXX XXXX ) on XX/XX/XXXX from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The above account is incomplete. There is no phone number for the data furnisher. Please delete this account from my credit report.