davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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. (VA)

XXXX XXXX XXXX XXXX- This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I have requested multiple times for verification of the said account which is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation as this inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a purchase on XXXX on XXXX/XXXX/2021 for the amount of {$120.00} with Bank of America Credit Card XXXX. I returned the XXXX items and the merchant refunded me for the same amount, {$120.00}, on XXXX/XXXX/2021 to the same Bank of America Credit card. However according to a letter from Bank of America dated XXXX/XXXX/2021, since they merchant gave me the credit " for your disputed transaction, we reversed the temporary credit of {$120.00} we gave you ''. However, I never disputed the transaction at issue, nor did Bank of America ever gave me a temporary credit of {$120.00} for the transaction. ( Around the same period of time, I have disputed some fraudulent transactions from so called " XXXX XXXX '', but has nothing to do with the transaction at issue. ) I contacted BOA and requested them to correct the mistake, however they refused to do so for no viable reason. They could not produce any evidence that I ever disputed this transaction or they ever gave me a temporary credit for it. What they did is simply to take away the refund given by the merchant. I am attaching here the email conformation for the purchase, the proof of refund from XXXX and the letter from BOA notifying of reversal of temporary credit which they never gave me whatsoever.
Consumer complaint received 2018-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Our mortgage was sold 7 times. The latest lender was Bank of America. No one ever had clear title to sell the house to us and we never had clear title to sell the house. We were notified that the home was being transferred out of Bank of America to FHA. All of a sudden Bank of America foreclosed on the mortgage and we lost our home. We hired an attorney to represent us in the foreclosure, but the judge ruled against us, completely disregarding the fact that a clear title to the house was never possessed and the mortgage was sold so many times. no one could figure out where to get it. I was unaware of the settlement provisions available to homeowners who lost their homes. Are there any actions of recourse to sue Bank of America for not transferring the mortgage as stated and never having a clear title to pass it to us or a mortgage that was good in the beginning of the transaction? The property address was XXXX XXXX XXXX XXXX XXXX , FL XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-12-01
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: WELLS FARGO & COMPANY (WI)

ORIGINAL COMPLAINT XXXX AS STATED THIS IS FOR WF CREDIT CARD ACCOUNT XXXX. THIS IS NOT FOR MY MORTGAGE. THIS IS FOR A WELLS FARGO CREDIT CARD THAT HAS BEEN CLOSED FOR YEARS AND YOU ARE ADDING REMARKS TO IT WHEN IT IS CLOSED. FURTHERMORE XXXX AND XXXX CONTINUE TO ADD REMARKS ON THIS ACCOUNT & HAVE NOT REMOVED ANYTHING. CLEAN UP THE MESS YOU MADE ON MY CREDIT FILE. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. IDK why XXXX WF or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Consumer complaint received 2021-09-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I am co-owner of a vehicle that I did a voluntary repossession on. The other owner is currently incarcerated. I was told by more than one agent at the finance company that I could do a voluntary repossession. The finance company took possession of the vehicle on XX/XX/21. The day before the car was to go up for auction ( XX/XX/21 ) the finance company released the vehicle to someone other than myself or the other owner. They will not tell me who the vehicle was released to and They are still holding me responsible for this loan.
Consumer complaint received 2024-02-27
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. (AZ)

This serves as a subsequent complaint regarding the outstanding accounts requiring appropriate action to ensure the utmost accuracy on my credit report. Once again, I am requesting another investigation into the following items : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$4200.00} XXXX  XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-06
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. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-01
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: SYNCHRONY FINANCIAL (LA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. Please remove this ASAP.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-02-26
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. (HI)

I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (KY)

On XX/XX/XXXX someone has fraudulently opened and acct under my name with Barclays Bank Delaware. 

I have reported this info to Barclays Bank, they have completed their investigation and assured me that this account will be closed and removed from all credit reporting agencies. 

I have also received a later from Barclays Bank dated on XX/XX/XXXX stating such : " Dear XXXX, This letter confirms that the fraud investigation has been completed on the above referenced Frontier Airlines account. After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud related information from your credit report. '' - End of first paragraph. 

As of today, XX/XX/XXXX this account is till on my account and I been on hold with Barclay Bank for over an hour after which the lady that picked up the phone hanged up on me. 

I'm very disappointed and would like your help in making a report in being a victim of fraud. 

I kindly thank you all in advance for all the help, XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting 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. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I reviewed my consumer reports and noticed that i had a debt added to my credit that doesnt belong to me in fact this debt has violated the CFPB LAWS 15 U.S CODE SECTION 1681 A ( 3 ) restrictions on sharing medical debt.

15 u.S CODE 1692 e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
These companies reporting his false debt are also discriminating against me and our hurting my chances to move foward in purchasing a property for me and my children. 

By law any debt that is not 100 % accurate should be removed and i have requested that on several diffrent occasions!
Consumer complaint received 2022-08-10
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. (IL)

their are 5 inquires on my report that are fraudulent. the inquires for transition are, ( XXXX XXXX ), ( XXXX XXXX ) and ( XXXX XXXX  ) the inquires for XXXX are, ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company (MI)

My mortgage is through Freedom Mortgage and in XXXX  we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.
Consumer complaint received 2024-02-27
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-06
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. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (MI)

A collection for {$70.00} to XXXX XXXX XXXX hit my XXXX account XX/XX/21. Franklin Collections initiated the collection. I emailed them a verification directly from XXXX XXXX XXXX showing the charge -- exactly {$70.00} -- was paid fully and on time.. 

This has been emailed and ignored by Franklin multiple times since then.. On XX/XX/21, I received a letter from them dated XXXX that they were continuing with their collections effort. 

Based on the almost 200 negative complaints on the XXXX  website, this is a common practice at Franklin Collections. They make a false claim and try to bulldoze it through smaill claims court as a bad debt..
Consumer complaint received 2020-01-27
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. (AR)

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX  XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NY)

Hello Selene Finance, Could you please get someone to step up and give me a courtesy call? My number is XXXX. XXXX, who was supposed to be my advisor has refused to give me a call despite my repeated request, if he is incompetent, I ask Selene Finance to switch another advisor. 

XXXX has told me that XXXX will not be issued, and yesterday I just received another communication from your company that XXXX XXXX XXXX XXXXXXXX XXXX, there loan balance is {$0.00} with {$0.00} interest paid in 2023 and {$0.00} paid in property taxes. If you are going to furnish me with a XXXX, I expect a correct one, please have senior management reach out to me. 

For months, XXXX refused to sort out the property tax issue for me, my account has been in delinquent late fees not picked up by Selene Finance XXXX was still not paid, and property tax payment was lost and never paid, I asked him to call me but XXXX refused. I will also be filing a complaint with CPFB for Selene Finances gross negligence and lack of care. This is a disgrace on your company to have people refuse to rectify the issue.
Consumer complaint received 2023-04-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (ME)

Im actually the beneficiary for the account for someones account at Key Bank located XXXX XXXX XXXX XXXX Maine XXXX XXXX which both husband and wife passed away. I went into the office instead of them asking for all material at one time it was asked piece by piece eventually giving them all that was asked I then had to wait 30 days After 32 days I went in they told me they had to fax everything to legal and I would here from them, now i have not received any phone calls or reply back from them, I also had a lawyer to write a letter asking Key Bank if theres anything more needed from XXXX if so please inform us so XXXX can move on with his life. 
Heard nothing from Key Bank. 
I have all emails, from bank manager stating I had to wait 30 days. 
I also called another Key Bank to find out what do I need to close a bank account if Im the beneficiary, the reply was original beneficiary paper work, 2 original Death certificates, affidavit and waited 32 days which they require 30 days. 
Still no reply, nothing, please help. 
I can be reached at XXXX or XXXX I have all emails and documentation to and from Key bank if needed. 
Thank you.
Consumer complaint received 2023-04-06
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-01
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: Bread Financial Holdings, Inc. (NJ)

I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX