davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-08-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I pulled my credit report and noticed erroneous and fraudulent data in my credit reports. I reached out to the credit bureaus and disputed the information. I received mail back informing me about sending in a photocopy of my unexpired identification and social security card along with my dispute letter. I've done this several times and received what in believe to be stall tactic letters, informing me that my social security card and unexpired identification card was not received. I've always sent in these self-verifying documents and received the same generic response letter in the mail. There's been several times I didn't receive any response at all. I am litigious consumer and will be seeking monetary damages for the credit bureaus willful non-compliance. 'I 've recently applied for an auto loan and has been given and unfair interest/insurance rate because of my credit score, which is affected by my inaccurate credit report. 

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid
Consumer complaint received 2022-07-29
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. (NC)

IN accordance with the fair credit Reporting act, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 15 have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Consumer complaint received 2022-08-08
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. (IL)

I have filed a dispute multiple times with the company regarding the bankruptcy on my credit report. All three bureaus keep sending it back verified but not telling me how they verified because the bankruptcy court wrote me a letter saying that they do not verify information. I am needing this information deleted as soon as possible. I have attached letter from the bankruptcy court and also a screenshot where they verified it.
Consumer complaint received 2022-12-29
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)

Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reviewed my credit report on XXXX at XXXX, Transunion and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, Transunion, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XXXX XXXX XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (FL)

On Wednesday XX/XX/XXXX I opened a " Truist Bright Checking '' account with Truist Bank, via their website. I funded the account with an initial deposit of {$1000.00} via an ACH transfer from my XXXX account. 

On Thursday XX/XX/XXXX, the withdrawal cleared my CapitalOne account, and was notated as : " Withdrawal from SUNTRUST BANK XXXX XXXX ''. On that same day, I attempted to login to truist.com to check my balance and begin managing my account. The credential I initially created did not allow me to login, I received a " security verification unavailable '' error. I called Truist for assistance and my account was eventually corrected so I was able to login. 

On Friday XX/XX/XXXX I attempted to login again ; after accepting my credentials I was immediately returned to the login page. 

On Monday XX/XX/XXXX I again called Truist support for assistance. After some time, the agent let me know I would need to visit my local BB & T branch for assistance. I asked why Truist support could not again assist me with my Truist account. The agent explained that was the only course of action. 

I explained I had opened my account with Truist, not BB & T, though the funding withdrawal came from SunTrust, and that I was not pleased with having to travel some distance to a BB & T branch for assistance since I never intended to hold a BB & T account and there is a SunTrust branch within walking distance of my home. I requested that the account be closed and a Cashier 's Check be mailed to me, or the money be returned via wire or ACH, since that was how it was debited. 

The agent put me on hold and indicated that the only way for me to recover my funds is to travel to BB & T ( again, a bank I did not open an account with ) and work with the people at the branch to XXXX and close the account. 

I called back later to request my account number in order to file this complaint, and Truist refused to provide it, indicating I could retrieve it online ( an impossibility ).
Consumer complaint received 2021-11-22
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)

I've sent numerous certified letters, demanding that I wanted all inaccurate information removed and that I wanted all the closed accounts removed from my consumer report, as Transunion did not receive my written consent to publish anything Pursuant to XXXX XXXX XXXX. I am not a third party and am the natural person, consumer and creditor.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

I was renting at XXXXXXXX XXXX XXXX I had a balance of {$110.00} I was not aware of, the reason I found out it was on collection was because my credit score dropped, I contacted Kimball trey & St. John LLP to make the {$110.00} payment they said it'll be removed. XXXX I called them because it was still in collection and they said they couldn't remove it, XXXX I called back because its still damaging my credit, I'm trying to purchase my first home and I talk to XXXX at Kimball trey & St. John LLP which she still says they can't do nothing about it, the charge was paid as soon I found out I had that balance..
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-05-25
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. (CA)

Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to XXXX regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.
Consumer complaint received 2022-06-23
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. (TX)

The Credit bureaus Transunion, XXXX and XXXX stated that my account with XXXX XXXX XXXX account # XXXX has been properly investigated, but with further investigation by my part by obtaining a detailed credit report I have found inaccurate information reported. Collections inaccurate, Account type ( details ) inaccurate, Number of month ( terms ) inaccurate, High credit inaccurate, Payment status inaccurate, Last reported date inaccurate, Comments inaccurate, Date last active inaccurate, and also Last date of payment inaccurate. Also the reporting Originator Creditor name are not matching as well. In review of my consumer credit report I have noticed that there are multiple inaccuracies reported wich are violations of my rights under 15 USC 1681 SEC 602 A, 15 USC 1681 SEC 604 SEC ( 2 ), 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ), 15 USC 1681 Sec ( 2 ) ( 8 ) ( e ) 15 USC 1681 ( 5 ) ( a ) 15 USC 1681 604 A. I have never gave permission written nor verbal for any information to be provided from or by any entity for any purposes. Under 15 USC 1681n ( a ) ( 1 ). Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} shall be awarded per violation. I want {$1000.00} per violation for actual and statutory damages as well removal of account from my consumer credit report by all reporting bureaus.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, located headquarters in XXXX, XXXX since XXXX XXXX XXXX via cashier check in amount over {$6.00} XXXX. 
Since then BOFA XXXX XXXX XXXX XXXX ( OCFG ), includes members such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and others financially terrorizing me by keeping me as Financial XXXX. 
They devise fraud scheme to steal my money with XXXX employees, which holds my funds against my will. 
The Bank of America and XXXX where I am a customer for a long time are affiliates and partners committed psychologically abuse, install fear, pain, letting me live under psychological duress are trying to kill me XXXX XXXX XXXXXXXX XXXXXXXX XXXX  citizen and XXXX XXXX, who came 43 years ago as a XXXX XXXX to America. 
Executive Management is punishing me because I refuse to aggressive tactics by employees of Bank of America to fore me their Credit carts, Merrill Lynch products and other unwanted financial items. 
For the past 15 years, they are claiming I am XXXX XXXX XXXX customer, but they withdraw money from my accounts for apparently unknown to me reasons. When I ask them they do not reply to me and in hiding from its customer. Do not reply to emails and telephone calls to discuss matter, If you need more specific information, please contact XXXX XXXX at XXXX XXXX. XXXX or email : XXXX. 
I am partially XXXX, with XXXX, post XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX man barely surviving and Bank of America by Financially terrorizing me, XXXX  my money, keep me a Financial XXXX made me XXXX. 

Thank you very much for your help. 

Sincerely yours, XXXX XXXX XXXX Bank of America XXXXXXXX XXXX citizen
Consumer complaint received 2022-07-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-04
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing you regarding the apparent intentional mishandling of my credit card deposit refund of {$500.00}. In May of last year I requested my credit card account, ending in XXXX, to be closed and my deposit return. The agent took her time closing my account and applying a credit to my account. It took them three months to send out a check for my deposit at which time I was already out of town. I spoke with an agent and he said he would be able to cancel the check and credit my account. Then he would be able to perform an ACH transfer of the credit to my checking account at Capital One, ending in XXXX. That did not happened and I had to call back in XXXX to get it done. I spoke with another agent who said she would resubmit the request. She took no responsibility for the fact that other agent and supervisors had committed to performing an ACH transfer on multiple occasions and had failed to do so or let me know it is not possible. She said the only way to return my deposit would be via a check through the mail. 


On XX/XX/XXXX I noticed that there was a transaction on my account ending in XXXX, XFER SC DEPOSIT TO SC PAY, and the {$500.00} refund was not there anymore. I called Capital One to find out what this strange transaction was and they said they refunded my deposit to XXXX XXXX, an account I initially used to send the deposit but which has been closed for years. I am not sure how you send money to an account that is closed. But, in any case I never authorized anyone at Capital One, at any time, either verbally or in writing to deposit money in any account other than my account at Capital One ending in XXXX. I contacted XXXX XXXX and they confirmed that the {$500.00} was returned to Capital one on XX/XX/2021. However, Capital One does not acknowledge that the funds were returned.