davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
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. (ND)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2018-02-13
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)

Checking on my TransUnion Credit report i found an inquiry from XXXX XXXX phone Co that i did not authorized or have an account with, I called Transunion to see how can the inquiry be removed from my credit report, they refer me to XXXX for a Removal of Inquiry letter when i called XXXX they informed me did not provide such a document to of course call Transunion that only they can do the removal. The back and forth begins.
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 u .s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HORIZON BANK (TN)

I paid off a HELOC I had with your company over 2 months ago and yet, it is still showing up on my credit report as open, with a balance. Please accurately and correctly report that the account has been paid in full and closed. The account was paid and closed XXXX XXXX. 
I called First Horizon recently and they instructed me to send an email to this address with the following information Full name : XXXX XXXX XXXX. 
Account number : XXXX Social Security # XXXX Mailing Address : XXXX XXXX XXXX. 
XXXX, TN XXXX Dispute : Account has not been updated to credit bureaus since XXXX XXXX. It's been nearly 3 months and the loan has been paid off and closed. Proof of credit report below.
Consumer complaint received 2022-04-30
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. (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. 

XXXX XXXX XXXX  ( XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (GA)

I received an email from XXXX notifying that XXXX XXXX was added to my account. That was a result of me informing them that it had stopped. 
This is a very important issue with me because any thing that occurs on any day regarding my account is texted to me immediately. Having been a victim of fraud with a bank before this was important. This was XX/XX/2021 I know I had the balance of my stimuluss check so wasnt concerned or worried about paying a few small bills. I then learned that I had no funds. I reached XXXX I told them I could not access my account she then proceeded to ask me questions and security questions that I answered incorrectly then she informed me that all my info was changed to allow a secondary user whohad changed everything on line and. I have never changed anything in my accouunt and I certainly would nothave added anyone. They never called me to checkit out and because I wasnt receiving alerts I had no idea it was going on. I never recd my money back and they continued to let my money go including my entire ss check, I have yet to recieve the first dime back. Shouldnt I have been informed? I am totally broke and theyhave now closed myaccount I have documentation. XXXX XXXX
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} 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 2022-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX plan for my daughter at XXXX  XXXX  number XXXX unable to get money to call college fees despite hours spent on phone with my daughter and myself and multiple steps and forms taken. please help
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

BB & T became truist and my account under BB & T did not allow for overdraft fees, now it does, further I have gained a second day of fees because I could not get to the bank to deposit a check today as they get the day off for XXXX XXXX charging me while they take the day off. The online checking doesnt work as the new truist app I have to use is essentially broken for XXXX  users.
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-13
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. (GA)

XXXX XXXX XXXX XXXX tax lien which was paid in XX/XX/2013, in the amount of {$1900.00}. The lien was released and removed from my XXXX and XXXX, but still remains on my TransUnion. If removed from two credit reports, it is or should be removed from TransUnion.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have not been able to make payments on my second loan. At the time of purchase of my home in XXXX I got an XX/XX/XXXX mortgage. On the XXXX XXXX  loan I have been delinquent since XXXX. I want to be able to settle this account but I have been trying to call LOANCARE ( servicer ) for two straight weeks and I can not get to a live representative. This is a travesty.
Consumer complaint received 2020-01-25
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. (SC)

I've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause emotional stress.
Consumer complaint received 2022-04-30
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)

I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ( XXXX ) XXXX open date XXXX XXXX last activity XXXX XXXX collection/charge-off in the amount {$580.00} 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 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

My complaint is with XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that Experium ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with Experium with no results except to tell me that no adjustment would be made. XXXXx also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : Experium XXXX, XXXX XXXX and XXXX XXXX. They all should be in the 800 range as I value my credit very much.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

My complaint is with XXXX XXXX  XXXX XXXX XXXX XXXX, Mn XXXX. This involves a settlement that I reached with this bank that they offered me and I accepted. They specifically told me that this would not effect my credit in any way. I have a letter from XXXX   dated XX/XX/2019 stating that the debt had been settled and I was released from all obligations. I will attach a copy of this letter.The next thing I find out is that XXXX ( which I subscribe ) lowered my score due to the settlement 100 points from XXXX to XXXX. I have filed two complaints with XXXX with no results except to tell me that no adjustment would be made. Equifax also lowered my score almost 100 points also. XXXX did not lower my score at all. My scores as of today are as follows : XXXX XXXX, Equifax XXXX and XXXX XXXX. They all should be in the XXXX range as I value my credit very much.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account with XXXX for no reason an will not help me with getting it back up and Im am not sure if this is some mistake I assume it has to be I have not been able to get no help from them an it has been months but I just remembered I could file a report on here as I feel they are not doing there job properly and it is affecting me a great bit my email linked to the account is XXXX XXXX
Consumer complaint received 2021-06-29
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)

On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX  XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-04-30
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. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have 3 charges on XX/XX/XXXX, {$89.00}, {$34.00}, {$34.00}, and I got a refund {$49.00}, {$30.00}, leaving a credit due me of {$78.00}. No one at Capital One is addressing this. They keep systematically not addressing the concern.
Consumer complaint received 2020-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc. (AZ)

I get paid on XX/XX/XXXX the manger emailed me and said it would go to repossession on XX/XX/XXXX but she had options then a representative called and said no options and it will be repossessed on XX/XX/XXXX and add more fees she was very rude and then she called my friends and left voicemails for location information when they have my current contact information this is very embarrassing on top of everything else going on in my life that they dont care about and we are only talking 4 days and when I emailed the manager back with my concerns they are not calling me back
Consumer complaint received 2019-09-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

My truck was repossessed on XX/XX/XXXX, the repossession company never contacted me about when I could get my items. We have tried calling several times and the phone just hangs up. Yesterday at XXXX central time I was able to get through to the company. The man on the other line said he was the owner, I asked him where my personal property was and he said he didn't know as his place is a mess. He read me a log from his workers and when I asked for that date he became verbally abusive and would not let me talk and called me a " little XXXX '' and " that your not a man because you can not handle your responsibilities ''. I tried numerous times by saying " Sir I just want to get my stuff ''. He continued to verbally abuse me, and then hung up on me after telling me I can not get my personal items. 
The company is XXXX XXXX XXXX and XXXX, XXXX. This business is 4 hours one way from where I live and where the vehicle was repossessed from. I have been unable to secure a vehicle to get there, and am frantically working to get one.
Consumer complaint received 2021-06-29
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: CORELOGIC INC (MN)

I am a victim of identity theft. All of the information and accounts currently listed on my Core Logic Teletrack Consumer report is fraudulent accounts and information. The accounts or information is not my accounts or information. I was just released from XXXX. I was XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX
Consumer complaint received 2022-04-30
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX SC XXXX XXXX Opened date XX/XX/XXXX last activity XX/XX/XXXX account # XXXX collection/charge-off in the amount of {$1100.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15U.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 2022-04-30
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX account # XXXX amount {$580.00} open date XXXX XXXX last activity XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2019 I discovered my checking account had been hacked after checking my balance on my mobile app. it happened at XXXX pm. central time zone. ( XXXX XXXX XXXX ). The description of the transaction was, person to person transfer. XXXX XXXX XXXX XXXX XXXX. I don't even know this person and I have never used XXXX period. They withdrew {$350.00}. I talked to my bank but supposedly they really can't do much ... and XXXX the same. Neither one wants to take responsibility for these fraudulent activity. I was told the funds went to a XXXX XXXX XXXX but have no trace of the phone number or who received it. Please help I am a father of 4 and a husband. They took my hard earned money. put me in a bind. XXXX has many of hack complaints they need to be financially responsible.