davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
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. (OK)

I have sent proof to XXXX that accounts : XXXX XXXX # XXXX is reporting inaccurately. REMOVE! 

XXXX XXXX XXXX : # XXXX is reporting inaccurately. REMOVE! 

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. XXXX is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

There was a fraudulent charge on my credit card, which I tried to dispute with the credit card company unsuccessfully. They were lied to and were not provided with all the evidence by the merchant, and my dispute was not resolved. So, I asked the credit card company to close the account. What I was expecting was to receive a new credit card, as had been done in previous years when the account was closed due to theft. Instead, the company closed my entire account and canceled my entire history with the credit bureau, over 9 years. This was not what I wanted and it has negatively impacted my credit score.
Consumer complaint received 2016-12-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to me.
Consumer complaint received 2022-03-21
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. (IL)

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
XXXX and Equifax are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2022, I completed an Apple Card credit application and was denied. I do not agree with this decision as my credit was considered and I did not receive the credit in the fair exchange of this process. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

Went to XXXX XXXX XXXX to obtain free credit report. Got it from XXXX and XXXX without trouble. As usual, Equifax wouldn't provide it. I subsequently called and talked to an Equifax representative for half an hour to no avail. Last, ended up completing their online form and mailed it with two pieces of information. That was over two months ago and have not received anything from Equifax.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Green & Sons Agency, Inc. (ID)

Outsource Receivables- XXXX is reporting on my credit file for an account that is not mine. Living Scriptures? What is that and it is from 2016! I have been disputing this with no response and this is not mine! Under the law they are supposed to provide proof and I have yet to hear anything back! 
I have called my attorney and that will be the next correspondence.
Consumer complaint received 2022-03-21
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: CITIBANK, N.A. (PA)

I was charged several charges from the same vendor within minutes for thousand of dollars. I let the credit card company know right away. They suggested I wait till I get my statement and then call and dispute. I did so and they have a me a conditional credit. They later on sent me a letter stating they could reverse the credit unless I reach out to the vendor and seek credit. I did so the vendor said the charges were canceled. I sent the information to the credit cared company with the name of the vendor agent and ID number. 
The credit company waited for yet some weeks and informed me that the vendor did not issue credit. The credit card company told me that there was a third party involved we are in they should be contacted in seeking credit I asked him if we could reach out to the third-party. The credit card company and myself tried to reach the third-party and after a couple hours after failing gave up and the credit card company asked me to seek credit from the third-party even though we could not reach them over the phone. I tried and tried and finally was able to reach an agent through a chat live chat from the website the third-party company looked into my account and said I should not have been charged and I should go back to the financial institution or my credit card company and get credit I recorded and took pictures of all all the chats and send it to my credit card company I have called my credit card company several times and they said it the charges have been reversed and that I would still be responsible. I told my credit card company I have not authorized charged or used for services that have been charged on my account for which I do not take responsibility and do not agree to pay these they said youre gon na have to fight for it but without any directions or anything else from them I spent a lot of time calling credit card company Several times writing letters and contacting merchants and doing as they suggested they do not have any other directions for me and I still yet not willing to give me credit for something I did not charge so I see Help
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (MD)

Credit reporting agencies Equifax and XXXX are refusing to remove an old account ( XXXX XXXX } that's over 7 years old from my credit file. I have disputed this with no results. When I try to dispute again my request is refused.
Consumer complaint received 2022-03-21
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: BARCLAYS BANK DELAWARE (WA)

The account I previously had, has been charged off. By Definition The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX BARCLAYS BANK DE, XXXX XXXX XXXX,
Consumer complaint received 2022-03-21
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: ERC (FL)

On XX/XX/2018, Enhanced Recovery CO L., added a derogatory remark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced Recovery CO L, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (SD)

Per the attached multiple responses from Wells Fargo, no additional information being provided by me, XXXX XXXX, which is a false statement. Wells Fargo is taking advantage of me and my language as being born outside of US. Multiple cases : case number XXXX, XXXX, XXXX, XXXX pertaining to my dispute about closing my deceased husband business account with Wells Fargo and distributing all funds on the business account to me as his only available heir ( in absence and missing information to me pertaining to other owner/owners of the LLC ) XXXX Those multiple cases were opened with constantly changing specialists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. No wonder that due to the changing hands those specialists were unable to locate the submitted information from Wells Fargo XXXX at XXXX XXXX by personal banker during my appointment, and that last reply is not more than a pure lie. The Certificate of Termination of a business entity XXXX Weapons Systems issued from TX XXXX of XXXX on XX/XX/2022 ( that would be required have the consent from other owner/owners if they really are existed ) was passed thru all statutory compliance as said on the documents presented, otherwise the termination of XXXX could not be accomplished. After the death on my spouse/sole business owner of XXXX Tech Weapons XXXX XXXX XXXX XXXX XXXX to be found of other business owner/owners information I had no choice but to have all control over the entity to deal with incoming requests after my spouse death about sales tax, franchise tax, IRS, payroll tax. If other business owners really would exist they have to deal with business matters like this, not me. 
I am not aware of any partnerships between my husband and others, and dont have information about other business owners place of residence, no contact information to get in touch with them. Wells Fargo is unable or refuse to provide me with their contacts to resolve the dispute. To my knowledge the XXXX XXXX of Wells Fargo bank has been contacted and he does not see any problems to change the ownership on this business account due to those special circumstances and distribute 100 % of the remaining balance to me, but other departments seems to be not in sync with XXXX XXXX.
Consumer complaint received 2022-03-21
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # 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.
Consumer complaint received 2022-03-20
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: DISCOVER BANK (TX)

in accordance with the fair credit report act .the following accounts have violated my rights. 

! ) discover bank account # XXXX XXXX ) XXXX XXXX account # XXXX XXXX ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-03-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

Ive tried to resolve the late payment issue with fed loan servicing but their refusing to assist me. I suffered a terminal illness back in XXXX which I was unable to make my monthly payment. Again in XXXX I was hospitalized with XXXX  XXXX which caused me to miss XXXX months of work. The student loans were paid off and consolidated with another company. Fed loan servicing is refusing to remove the late payments. Please assist
Consumer complaint received 2015-06-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX
Consumer complaint received 2022-03-21
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: Affirm Holdings, Inc (WA)

The account I previously had, has been charged off. By XXXX XXXX IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies. 

companies contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AFFIRM, XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CA)

I have an issue about stock account with XXXX  On XX/XX/2021, XXXX days ago, I found that I was not able to log in to XXXX account and was not able to reset password and could not verify account information. 

I sent them emails to resolve the issue but they haven't responded not a single time so far. ( XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 I sent emails to them XXXX but only email was automatic email response that they will contact me within XXXX days. but it did not happen. 

in the meantime, MY ACCOUNT IS HACKED. 
I confirmed the my account has been controlled by hacker and fund is transferred some other person. ( I was able to see that because I still receive push notification to my cell phone ) - attached notification that I received. 


and {$2500.00} was transferred to other person 's account ( which I can't verify ) definitely it did not come to my bank account. 
on top of that, any possible trade/transaction is happening against my intention.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 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 2023-03-29
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: EQUIFAX, INC. (DC)

I submitted an informal dispute directly to XXXX Equifax and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries
Consumer complaint received 2022-03-20
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: Affirm Holdings, Inc (TX)

In XX/XX/2021 I applied for a loan to purchase a XXXX computer from a company called Affirm. I was then told that I already had a account. I have never before had any knowledge about this company called Affirm. I contacted them and was transferred to the fraudulent accounts department. It has been under investigation since. I have been notified every month about payments on this account due. I call them almost every month to see about the results of the investigation. They keep saying still working on it. Today XXXX the company Affirm reported to XXXX a new opened account in my name. I have disputed the account info and am waiting to hear back. Clearly its an Identity Theft. I dont understand and need someone to help me please. 
XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.