davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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)

On XX/XX/2020 I sent in 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 plainly states that a failure to investigate these items within 30 days gives a reasonable to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly. I demand these accounts be deleted immedetily or I will file for litigation due to the stress you have caused. My information was impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion is not honoring their duty of accurate and correct reporting on my credit report. Transunion is inaccurately reporting a late payment on my credit report for the XXXXXXXX XXXX XXXX account ending in 1917. This includes a 30 day late payment reporting on XXXXXXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Transunion completely violating my consumer rights. I did not give Transunion my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Transunion has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WA)

XX/XX/XXXX XXXX and XXXX received phone call ( recording ) about 2nd attempt to serve documents. First attempt was supposedly a letter that never received. Told me for a US BANK ACCOUNT from 2005 and that would be sued in federal lawsuit for two different counts. Said balance was over {$5000.00} but would settle for {$2000.00}. Asked them to send documents for attorney to review and they hung up on me. Called again next day and told guy to quit XXXX  me or would report them and the guy flipped out and had a screaming match with me using every nasty name in the book. Today returned the call told them quit calling. Guy told me I dont control what they do and then told me to go pull weeds or something before hanging up.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX  XXXX.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

SunTrust ( Truist ) closed my business account ( XXXX XXXX XXXX XXXX ) back in XXXX of 2020. I deposited a check for {$500.00} for services rendered. The check cleared the XXXX XXXX account from which is was drawn on. Suntrust Bank has been extremely difficult and refuses to get me the funds I deposited into the business bank account. Over 60 days have passed and I still haven't received my legitimate funds that were deposited. 
XXXX XXXX account name : XXXX XXXX Check Written to : Set them free foundation ( Suntrust Account ) Check Amount : {$500.00}
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 I authorized inquiry for my credit. However, I did not authorize an inquiry everyday for XX/XX/2021, XX/XX/2021, XX/XX/2021 for 3 additional inquires. There is no need to view my credit report 4 times.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, Credit XXXX XXXX ( XXXX  ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whoever it may concern, XX/XX/2020 I received unauthorized charges on my Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX on the date XX/XX/2020 {$270.00} at XXXX XXXX # XXXX XXXX, CA and XX/XX/2020 {$480.00} at XXXX XXXX XXXX XXXX, CA. I live in XXXX, CA and I have never been down to XXXX and XXXX. 

I contacted Bank Of America to get a new credit card and file a claim. A claim was filed on XX/XX/2020 regarding the charges {$270.00} and {$480.00}. It was deducted from my account. The representative, XXXX, said I would need to provide details through phone or email. I have not received any follow up. But I received a letter with a date XX/XX/2020 that said they extended the credit period regarding fraud dispute. On XX/XX/2020, my new Bank Of America Visa Credit Card XXXX XXXX XXXX XXXX XXXX was hit with {$270.00} and {$480.00} charges and they closed the fraud dispute without notifying me. I found the letter in my online bank account regarding fraud dispute closure has the date XX/XX/2020 and is blank. 

I have tried to contact them and so far they have not responded to these reinstated charges. 

I am aware that under Federal Trade Commission FCBA law that unauthorized charges should be charged no more than {$50.00}. I feel it is unjust to force me to pay fraudulent charges of such amounts. I want these charges removed.

Yours Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
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. (TX)

University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (DE)

On XXXX I went to ONE MAIN FINANCIAL office for a loan to consolidate my credit card debt. I was approved for {$8000.00} for such. 
XX/XX/XXXX I paid {$310.00} for an XXXX XXXX. 
XX/XX/XXXX I paid {$280.00} monthly amount due XX/XX/XXXX I paid {$280.00} monthly amount due I refinanced my mortgage with another lender to pay off this debt and I paid on XX/XX/XXXX, {$7700.00}. I was told I owed {$280.00} in additional interest ... I was FLOORED. 
I was told that they might be able to waive that interest charge and they would talk to their superiors about it. 

XX/XX/XXXX I called to find out about the waived interest and was told they would get back to me. 
XX/XX/XXXX I called about this again and was told they had to speak to their superiors. 
XX/XX/XXXX I was called and told I have to pay the interest fee of {$280.00} and I was floored again. I did pay it because I wanted my TITLE returned to me and I wanted to close this loan. 

XX/XX/XXXX I paid {$280.00} to close the loan. 
I had asked for a written statement of how that fee was determined because it didn't add up to me as I was current and never late on any of my payments. They would not provide a statement of how the {$280.00} was tabulated. 

I feel that interest was excessive and should be returned to me.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services (DE)

I, entered into a consumer credit card transaction with Mercedes Benz Financial Services on XX/XX/XXXX. I used my credit card as defined under 15 usc 1602 ( l ) and there was a finance charge involved as defined under 15 usc 1605. Mercedes Benz Financial Services failed to inform me that my insurance was included in the finance charges, but it was not as defined under 15 usc 1605 ( a ) ( 5 ) and 15 usc1605 ( c ). Mercedes Benz Financial Services then took my credit and got a loan and begin to violate 15 usc 1692e, because they falsely represent the status of the debt.

Mercedes Benz Financial Services violated my rights as they did not disclose to me my rights to rescission as defined under 15 usc 1635 ( a ) ( b ) ( f ). 
Mercedes-Benz Financial Services acknowledged the criminal liability for willful and knowing of their violations as defined in 15 usc 1611. On XX/XX/XXXX Mercedes-Benz Financial Services removed the alleged debt from 2 credit reporting agencies, leave the ruining of my reputation and defamation of character on XXXX violating 15 usc 1692d ( 1 ) ( 2 ) ( 3 ) as defined.
Consumer complaint received 2021-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I requested and was approved for a Cares Act COVID Forbearance in XX/XX/XXXX. My loan is owned by XXXX XXXX. I called my mortgage company ( XXXX XXXX, serviced by Loancare , LLC ) to set up payment options and resume payments on XX/XX/XXXX. I requested a deferment of amount owed and was told I did not qualify for a deferment and would be required to do a loan modification. I had researched my options and knew I qualified for a deferment and stated I did not want a loan modification. I requested to speak to a supervisor to find out the reason for the deferment denial. I was told a supervisor was unavailable and I could request a call back. I requested a supervisor call me back and I never received a return call. I have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never been able to speak with a supervisor. Each time I have requested a call back from a supervisor and to date I have never received a call back. I have also been given a different story every time I have called and have been given factually inaccurate information, and was told I was not able to speak to a supervisor to get clarification. I was forced to extend my forbearance when I didn't need or want to because Loancare said my request for a deferment needed to go through a 30-day review. That was on XX/XX/XXXX. On XX/XX/XXXX, I reached out to a HUD counselor due to the issues I was having and on XX/XX/XXXX, we called Loancare together to get answers and were also unable to speak with a supervisor. My counselor repeatedly requested to speak to a supervisor and we were told one was unavailable, that the loan modification department was closed and given factually inaccurate information again. It is now XX/XX/XXXX, and I have not had a successful resolution and my extended forbearance now ends on XX/XX/XXXX, and I still have no idea what my options are as I can not get clarification or speak to a supervisor. I have requested my counselor escalate the issue to XXXX XXXX as well. In the meantime, I have resumed making payments.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (MS)

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are fraudulent accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} This is a direct violation of my rights as a consumer under 15 usc 1681i ( a ) ( 1 ) ( a )!
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (CA)

Hi. I need some help. I was the victim of XXXX XXXX a while ago. The thief has used my information to obtain credit under my name. I have fought this several times over the years. Recently there is an account on my credit report that I have never done business with. It is called XXXX. 

Last month I sent letters to the credit bureaus to fight this account as not being mine. I don't know what happened, but I never heard back from them. Everyone I know tells me I'm supposed to hear back from them in 30 days or this account is supposed to fall off my report. Its been more than 30 days. I want this account to fall off my report because its not mine. Thank you.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
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: EQUIFAX, INC. (VA)

Hello, my name is XXXX XXXX XXXX and I am re submitting this complaint after being informed I needed to add my social security card. it has been a battle going thru this and I am writing to deleting the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/2021, my account was forced closed. The account balance was {$45000.00} at the time of the closing. When I called the bank, I was told no information could be given to me over the phone. The gentleman on the phone let me know that i had to visit the bank. The closest branch for Wells Fargo is 1 hour and 45 minutes from my city. I finally got free time to make the trip only to be told I had to have an appointment. I attempted to explain the distance, yet was unsuccessful with my request of speaking to someone. My understanding at this point is that the bank flagged the account as fraudulent due to someone logging on to the online. I talked to the person and cleared it up. I do not care that the account was closed. They will not give me any information or a closing letter. I just want the bank to provide me with my remaining balance. At this moment, I do not fulling understand their reasoning of holding my money XXXX.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or Experian. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my XXXX.
Consumer complaint received 2017-08-23
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: AES/PHEAA (PA)

XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. There are XXXX Public Records reporting a Release of Tax Lien filed : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I need your assistance in getting this matter resolved and removed from my credit file.
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 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 XXXX 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.