davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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. (GA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
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. (WA)

My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.
Consumer complaint received 2020-07-03
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc. (MD)

Under the FDCPA, if a debt collector is attempting to collect on your debt, they need to do so according to the original signed contract. This contract refers to the one you signed with your original creditor. Meridian Financial Services , Inc. is attempting to collect a debt and has added fees in excess of 34 % ( {$320.00} ) of {$970.00} balance due on my maintenance fee for my time share at XXXX XXXX XXXX. The 34 % of additional fees that Meridian Financial Services , Inc., is attempting to collect is not allowed by the original signed contract # XXXX signed on XX/XX/2002. Number 4 in the contract stipulates that maintenance fees is payable during the schedule year of occupancy and does not stipulate a fee charge.
Consumer complaint received 2020-07-03
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. (CA)

I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.
Consumer complaint received 2020-07-03
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. (CA)

I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.
Consumer complaint received 2020-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

XXXX XXXX XXXX negotiated settlements with Creditors. XXXX XXXX XXXX appears to made payments late and bounced a check. Synchrony bank for my Mastercard and PayPal accounts took payments late then are calling stating agreements will not be honored. Even though Sychrony Bank eventually got every penny of the agreements they will not honor them Due to COVID19 I have no money I lost more then 50 % of my income. I can not pay all my bills.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (CA)

I opened a credit card with Suntrust in XX/XX/XXXX. After a couple of years I was no longer able to log into my credit card account online, and I had to stop using the credit card as a result. During this time- Suntrust merged with another bank and beca

me Truist- and since then, I have never been able to get back into my account online. I have made several attempts over the past 3 years to speak to someone at Truist to help get me access to my account- they either drop the call ( after talking to them for 30 minutes, then them telling me I am in the wrong department, they will transfer me - then the call drops ), or I can not get an actual person to help. I need all of my statements from this credit card for a legal case and I needed them a long time ago, yet I have been unable to get anyone to assist me with this from Truist.
Today I called again, and on the 4th call I got through to the correct department. Truist does not have my current address and their system was not accepting any update of my address today, according to the
representative I was speaking to named XXXX, therefore he was not able to give me access to my statements- or send me my statements. 

I am repeatedly told by Truist employees when I am able to speak to them that I should go into a branch to get this sorted out - but a. I live in California and there are no Truist banks in California and b. I have never had a bank account with Truist or Suntrust - just this one credit card that I deeply regret getting. 

I need my credit card statements asap -dated XX/XX/XXXX to current day ( XX/XX/XXXX ) I am legally entitled to these statements and I have repeatedly made attempts to contact Truist and get them from Truist but can not get anyone to do this. 

Please assist me in getting my credit card statements. This is the worst experience I have ever had with a credit card and I can not state how much I regret getting a credit card with this company.
Consumer complaint received 2023-06-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX 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 2022-12-30
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: GOLDMAN SACHS BANK USA (AZ)

I have disputed a transaction now 3 times with plenty of evidence showing that the merchant was not doing the work requested. They have denied it twice now
Consumer complaint received 2020-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an overdraft fee of {$63.00} for transferring .MY funds to another account this is the second time I had this issuse its my money and my account and I should be able to do what I want with my account I don't understand the purpose of charging me for transferring plus a mainetence fee every month I work a part time job and I don't have have any money to give away especially during this pandemic.
Consumer complaint received 2020-07-03
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. (GA)

This account was disputed and removed from my reports on XX/XX/2020. It has now come back on my report. This is illegal and I would like it to be removed. 

Account : XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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. (NY)

I am requesting XXXX XXXX bank and all the credit bureau to fix my credit report to be clean. I never missed any legitimate payments. I always make my payments on time. My account with XXXX has been misused by someone and I am still in contact with XXXX XXXX to investigate these transactions so everything can be fix and resolved but the kept reporting the debits to the credit bureau. I dont owe those therefore I am not responsible to pay for it. I want XXXX XXXX bank to stop reporting negative on my report till they investigate the transactions on my behalf. I want my credit score to be clean and go back to the how good it used to be.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX/DEPT OF ED Last reported XX/XX/XXXX {$20000.00} 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 2022-12-19
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. (PA)

Hello I previously requested the items listed below to be investigated. According to Experian the accounts listed below were " verified. I then submitted a request for method of verification proof, which I never received. According to the FCRA a credit bureau has 15 days to provide that proof to me and it's been well over 15 days from my request. 

XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX Number XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: WELLS FARGO & COMPANY (CA)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, WELLS FARGO BANK XXXX XXXX Opened : XX/XX/2016 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-06-11
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: GOLDMAN SACHS BANK USA (NY)

I am a victim of identity theft. I realized between last year XXXX to XXXXXXXX XXXX my apple credit card was compromised. I did not authorize any purchases/transactions. Ive disputed the transactions multiple times with the credit card company but my disputes was denied even after I submitted all the evidence including the police report. This is what Goldman Sachs bank said I quote ( You have the right to see the information we gathered to make this decision. To request a copy, please contact an Apple Card XXXXXXXX. ) but Ive been asking for the copy of the investigation that they determined to denied my disputes they never sent me these copies since last year till now. I had a good credit score btw XXXX to XXXX but now my credit score dropped to XXXX. I am not responsible for these transactions so I am appealing or asking for a disputes investigation so everything can resolve. Goldman Sachs bank is violating my consumer rights. I dont have money to pay these debits I am not responsible for and also I am asking to fix my credit score/report for me. I worked hard for everything I earned.
Consumer complaint received 2023-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment, they have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they have 30 days to complete the investigation and by failing to do so the items must be deleted from the report soon as possible
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXXXXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX  Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to this matter.
Consumer complaint received 2023-06-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX -- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX
Consumer complaint received 2023-06-10
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc. (GA)

XXXX XXXX came to my house to do an interview about adding a alarm system in the house. They told me that they will setup up the security system and all I need a copy of my check and they will be able to setup up my services. They install the system the same day and told me that if I was unsatisfied that I had 72 hours to discontinue services. The service triggered false alarms 59 times. I was left to pay my county twice XXXX $ for a service that didn't meet expectations. After discontinuing services, I called my bank to dispute the issue and stop payment. In addition to that, there was a credit line open up in my name without my knowledge. They are still charging me for payments through XXXX. I also am receiving statements from Aqua Finance, ( their partner. ) They told me that they use this credit line to pay for the XXXX system. This was used to pay for the security system without my knowledge.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife, who handled our finances, passed away very recently. In her absence I have been acquainting myself with our banking situation, among other things. When I open our Bank 's website ( Truist Bank ) I am given three figures : Our checking account balance, our " Ready Line '' balance, both of which are fine, and our Visa card balance, which according to their statement is $ XXXX. Since I am very careful about always maintaining a positive balance in my credit card account, I did not understand what the {$15000.00} figure is all about, so I called the bank. They explained that it represented the accumulated fees from each use of my card, something that is not explained in any of their literature. Further questioning revealed that their fee for each transaction was between 14 % and 15 % of each trans-action. There is no mention of the size of their fee in their website. I said " If I owe that money I guess I will have to begin to pay it down monthly. '' " Oh no, '' she said, " We do not accept installment payments of this amount. It must be paid in full! '' The above information is the reason for my complaint. First, there is no information explaining how the bank calculates their fee, nor the amount of the fee. And Finally, I am a XXXX widower, living for the most part on social security. There is no conceivable way that I can come up with $! XXXX. It also amazes me that this fee has been accumulating over a very, very long period and the bank has never indicated that it is overdue. Moreover, I find it interesting that there is no way in their system to transfer any funds into that account.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.