davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NY)

I have been disputing this reported information on the XXXX XXXX XXXX account since XX/XX/XXXX and have disputed it multiple times. 

Experian is reporting this as a repossession when it should be a mortgage, they are also listing a different date of last activity ( XX/XX/XXXX ) than XXXX. In addition, they are the only bureau reporting late payments where there are no late payments. Also, it is obvious that this was never verified as the last reported date is listed as XX/XX/XXXX. 

XXXX is also reporting this as a repossession when it should be reporting it as a mortgage. They are also reporting erroneous positive payments on the account. Their date of last activity is reporting as XX/XX/XXXX, meaning this was illegally re-aged. They also have the last reported date listed as XX/XX/XXXX. 

XXXX is not reporting anything on this account.
Consumer complaint received 2020-11-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XXXX XXXX 2018, Portfolio Recovery Associates, LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred sold and I am no longer responsible for the account Debtor 's creditor did not verify this collection. Also, there was NO contract, or signature for this accused debt at all. A bill without a written signature does NOT validate the debt and anybody can send a bill and say its mines. According to the FCRA, Profolio Recovery Associates, LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2022 I have initiated an ACH transfer from a XXXX XXXX checking account to a Citizens Bank savings account in amount of {$10000.00}. 
On XX/XX/2022 I have initiated another ACH transfer from the same XXXX XXXX checking account to the same Citizens Bank savings account in amount of {$5000.00} ( the transfer was requested on XX/XX/XXXX, but scheduled for XX/XX/XXXX ). 
This second transfer was canceled by Citizens Bank under the claim that it falls outside of its transfer limits. This information is deceiving t though because Citizens Bank publishes the following XXXX inbound transfer limits : - daily : {$10000.00} - monthly : {$15000.00} Simple math shows that my {$5000.00} transfer should have not been canceled. 
Additionally, on XX/XX/2022, two days later after my initial transfer, I tried to redo the {$5000.00} transfer from XXXX XXXX to Citizens Bank, which again was rejected due to " transfer limits ''. 
Attached is a screenshot showing the XXXX transfer limits published on Citizens Bank own website ( citizensbankonline.com ).
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-06
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: Bread Financial Holdings, Inc. (CA)

From XX/XX/21 contacted the furnisher and XXXX via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that Comenity, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. XXXX deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called XXXX directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. XXXX does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX 3 missed payments ) XXXX  XXXX ( Bank ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Finance ) XX/XX/XXXX hard inquiry XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX hard inquiry 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 or 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 2022-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation 6. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 7. Unverifiable no data information XXXX XXXX Account Number : XXXX dELETE this account for failed to perform an investigation
Consumer complaint received 2022-07-06
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: OneMain Finance Corporation (TN)

XXXX XXXX ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. ONEMAIN FINANCIAL continued my application when I didn't process it from my phone.
Consumer complaint received 2022-07-06
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: ALLY FINANCIAL INC. (TN)

XXXX XXXX ran my credit without my consent. ALLY FINANCIAL ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Consumer complaint received 2022-10-05
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. (FL)

This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. Its been over a month now but you still haven't complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compensation should you continue with your non-compliance.
Consumer complaint received 2022-07-06
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: Convergent Resources, Inc. (AL)

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. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Type this out exactly in this box of you want to input your info and remove instructional verbiage.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

I used my credit card as defined under 15 USC 1602 ( a ) ( I ) to extend myself credit through Discover. To my surprise, I was denied. On XX/XX/2022 I received a letter of clear adverse action from Discover attempting to explain why I was denied. Due to there being no statute of limitations on fraud I am acting now. The letter that was sent mentions that Discover follows the Federal Equal Credit Opportunity Act, but this denial was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). In good faith, I exercised my right to extend credit as a consumer, AND a creditor and I was denied for no specific reason. Discover mentions Federal laws in the letter sent to me, but violated those very same laws. Discover also violated 15 USC 1602 ( a ) ( p ) when they used my credit card with no apparent authority, and I the cardholder and consumer received absolutely no benefit.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States that I have a right to privacy.

15.U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-06
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. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL XXXX OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-06
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. (TN)

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

SunTrust breached confidentiality laws and handed XXXX pages of my personal records to my to ex-husband. I have an open case with Suntrust. I received a letter today from Suntrust basically saying since the accounts were linked he had access to my personal information even without his name being on all the accounts.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have asked XXXX, XXXX, and Transunion that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXXBankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have asked XXXX, Experian, and XXXX that are reporting bankruptcies on my credit report to disclose method of verification on the alleged bankruptcies they are reporting. All have replied to me claiming that XXXX XXXX verified the information. 
Appalled by that information, I went directly to XXXX XXXX/Bankruptcy Courts and in response to my inquiry they all claim to have NEVER verified any of this information with any of the three credit bureaus listed above. This would mean that as of XX/XX/2022, these alleged bankruptcies are considered UNVERIFED.

I am aware, the FCRC states the following : A CRA must remove inaccurate or unverified information from its files, usually within 30 days after disputing. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (SC)

I spoke with td banks branch and customer service for the XXXX time who showed no care that fraud had taken place on my account and was never disputed XXXX of the beginning fraud transactions for {$430.00}, they never disputed it and the bank basically recouped all the off the money for themselves including chargebacks that I never filed, yet they say I did, and I cancelled them and they told me and XXXX  they woudl return money to the merchant which never happened.. Td banks says I am the first person in history to have some retrieve their pin number and they woudl not all ow me a single dime yet they recoupped every XXXX for them selves especially the XXXX which was the beginning of the fraud ... My wallet and phone was stolen they spoke to someone freely about my account and they took my money and now all of bankers act like they cant help me yet, and i filled out police report yet the bank got the money even took merchants money through chargbacks that i did not file and if they say i filed them, then i also cancelled them but nothing was given back to me nor any of the merchants they frauduently knew what rebuttals to use such as the thief could never made mistakse with a XXXX digit pin that is not enough info to call off in investigation this is a poorly ran bank that takes people with the help of thier banks lying
Consumer complaint received 2022-07-06
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. (NY)

I have been disputing this reported information on the XXXX XXXX XXXX account since XX/XX/XXXX and have disputed it multiple times. 

XXXX is reporting this as a repossession when it should be a mortgage, they are also listing a different date of last activity ( XX/XX/XXXX ) than Equifax. In addition, they are the only bureau reporting late payments where there are no late payments. Also, it is obvious that this was never verified as the last reported date is listed as XX/XX/XXXX. 

Equifax is also reporting this as a repossession when it should be reporting it as a mortgage. They are also reporting erroneous positive payments on the account. Their date of last activity is reporting as XX/XX/XXXX, meaning this was illegally re-aged. They also have the last reported date listed as XX/XX/XXXX. 

XXXX is not reporting anything on this account.