davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
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. (NC)

My wallet was stolen in XXXX and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of 15 USC 1681B. Further furnishing account in direct relation to identity fraud is in violation of 15 USC 1681 c-2 I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

My medical debt was paid for by my insurance company and I paid the rest owed. Bull City Financial calls on a daily basis and has ruined my credit score. This is medical debt paid and Ive been treated like a XXXX. I am a single mother with a XXXX child, this is causing me horribly unduly stress on me and my family.
Consumer complaint received 2024-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (FL)

XXXX illegally signed me up for a contract I never authorized in the amount of {$480.00} and I successfully disputed it with my credit card provider. They then sent this to a collection agency - RFGI. They have begun harassing me via calls and emails demanding payment. This seems to be their standard business practice. I do not owe this and will not pay it.
Consumer complaint received 2023-03-24
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. (NC)

Experian has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force Experian to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. Experian failed on numerous attempts to have accurate information report on my credit profile.

Experian violated every one of these laws and more.
Consumer complaint received 2020-12-09
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. (AL)

I received a notification in XX/XX/2020 that I had a late payment reported on my credit. XXXX XXXX holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score and needs to be removed.
Consumer complaint received 2020-11-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (FL)

On XX/XX/2020 I submitted a complaint against my lender for charging me excessive fees and not being open about what they were applied to, I have included a copy of that complaint in the document section of this complaint. On XX/XX/2020 Ameris sent their response, also in document section. Since XX/XX/XXXX I have called Ameris weekly to try to get answers and they will not give them to me. In the breakdown of reinstatement there is {$380.00} in late fees, {$210.00} in property inspections, {$1000.00} in reinstatement fees, {$6300.00} in foreclosure fees and {$16000.00} in escrow advances. They did not and have continued to refuse to answer what the additional {$8000.00} was for. The questions I would like Ameris to answer is what is the {$1000.00} in reinstatement fees and how is that assessed and distributed. I would like to know what those fees are for. I looked up the case that the foreclosure fees are associated with and have included a docket entry from Ameris 's counsel titled Affidavit To Reasonable Attorney 's Fees and Affidavit of Attorney as to Costs and Time Expended. Both of these documents state that {$3000.00} is standard. Why was I charged so much more? Also, if the total to reinstate was {$270000.00} what was the actual principal that was due? I am concerned that my reinstatement has been inflated greatly to put me back into foreclosure even after I sent the {$27000.00} and charged me an additional {$8000.00} which I could not secure and went directly back into foreclosure.
Consumer complaint received 2017-12-12
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: General Motors Financial Company, Inc. (NC)

On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report
Consumer complaint received 2020-12-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # 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 2020-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I have contacted the bank several times regarding funds that was deposited into my account after it was closed. Initially I was told the account was closed XX/XX/XXXX however when I called late XXXX it was still open and it was again closed that day. I called regarding a refund from XXXX that was never dispersed. They said they do not have proof that the refund was returned ( Huntington ) after 2 hours and 4 employees later a supervisor said that a statement stating the account was closed XX/XX/XXXX could be used as proof, 15 days later and its just a statement no letter of account closure I can not access this account online to ensure I am not being charged. Please help XXXX just wants proof the refund was returned or that the account was closed.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MN)

TRS sent 9 separate letters ( all received on the same day ) requiring me to pay 5 different debts incurred by bounced check or bank transfers to XXXX. They would only accept cashier 's checks or money orders. They were difficult to contact and wouldn't dispute anything over the phone and repeatedly tried to get my bank account, drivers license, and social security numbers " in order for anything to go through ''. XXXX has no record of these charges in their system under my account and I have no bank account attached to my XXXX account and have never paid for anything via check. TRS also listed the debts under my maiden name, which has been updated in XXXX 's system for nearly two years.
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim with Bank of America Prepaid card services on XX/XX/2021. After sending in requested documents ( 2 forms or Identification ; police report ) and soeaking to multiple representives. My claim for the amount of XXXX was denied. The claim was originally denied XX/XX/2021. Since the date previously stated the claim has been reconsidered 3-4 times. The " investigation '' apparently founded that I am liable for the chages because the card that was issued to me was used for the transactions. I told the bank that I never recived that card. The information they had in my account as to where the card was to be sent was incorrect. I have never been assosicated to the address that they sent the card to. Also, there has been an arrest and conviction in regards to these fraudulent charges.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP (IL)

I received a prepaid debit card from KeyBank/XXXX XXXXn the mail today. I did not apply for unemployment. I have been retired since 2006. It appears that someone filed for this in my name. 

I want the card canceled, and written proof of that action. 

I attempted to contact both the XXXX and KeyBank and was stepped through telephone prompts in a circle at both agencies. 

Please assist in getting this rectified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there are multiple items that need to be investigated and deleted they are not correct. There is a bankruptcy listing and 2 accounts that say I was late that are wrong and 2 inquiries I did not authorize. I mailed letters top the credit agencies but got no response at all 2 different times
Consumer complaint received 2020-12-09
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: DISCOVER BANK (UT)

Below are the open and close dates for each of the disputes I have opened with Discover. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the Discover account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Consumer complaint received 2022-04-26
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. (AL)

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX Account # XXXX XXXX - 60 day late - delete XXXX - 60 day late - delete XXXX  XXXX Account # XXXX XXXX - 30 day late delete XXXX - 60 day late -delete XXXX XXXX Account # XXXX XXXX XXXX - 30 day late delete XXXX - 30 day late - delete
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

on XX/XX/2021 I made a ATM Deposit at the NAVY FEDERAL CREDIT UNION {$440.00} into my checking account ... ..NAVY FEDERAL CREDIT UNION STOLE my cash deposit and placed it on a credit card DURING THIS PANDEMIC!! I do not have money at the moment to pay for that card ... I NEED MY MONEY TO LIVE during these hard economic times .... I feel it was disgraceful to take money from anyone during these rough times..
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (FL)

AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2021-04-09
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 (FL)

Hello, I have tried to report fraud which turned into a dispute with Capital One for some time. On XX/XX/2021 I purchased what I thought were airline tickets through a travel agency called XXXXXXXX XXXX which in turn charged my card but purchased airline tickets with a fraudulent credit card. I later was notified that my airline tickets were canceled because they were reported as fraud. I looked on the cancellation and realized they were purchased on a MasterCard. I do not own a Master Card. I provided Capital One with all the proof and they are stating they need a terms and conditions letter. What I have is an email that states no cancellations or refunds. Capital One is saying they need this document but it is all I have and it's enough. I never cancelled the trip, the owner of the fraudulent card cancelled the trip. Capital One is refusing to give back my charge even with all of the documents I do have which are itinerary confirmation from XXXXXXXX XXXX with missing info and as well as the cancellation of the flight with the mastercard of the unknown per on involved who cancelled the flight charge on their stolen card. Please assist me in any way. I am being charged but never received tickets. This company XXXX XXXX also did this to my brother who also owns a capital One Card but Capital One card who actually received his charge credited to his account. We have police reports against this company and an ongoing investigation and I have given Capital One the report as well. Attached are all the documents.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-12-09
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. (PA)

back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not one of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.
Consumer complaint received 2020-12-09
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. (PA)

back in XX/XX/2019 I been paying all my utilities, phone, internet, water through XXXX XXXX XXXX and was using experian boost. It once had my score to XXXX now being that it has all been erased it went down to XXXX stating bank changed security. I called my bank and being that experian boost is not XXXX of their features that can not assist. I called experian and they claim they can not fix error. Not only that experian keep putting incorrect information in my report. I filed complaint 3 times stating identity fraud and it is still showing on my report. I need it removed.
Consumer complaint received 2024-02-25
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)

I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization : 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 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 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 Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, SD XXXX These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.
Consumer complaint received 2023-03-24
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. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent a depute to TransUnion for closed account t be delete from credit reporting ( US DEPARTMENT OF AGRICUL ) ( dispute On XX/XX/XXXX ) for more than 30 days and by law, they did not hold up to the 30 days to comply and getting back to me about the investigation