davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased a Cashier 's Check for {$1700.00} on XX/XX/XXXX from Suntrust Bank. The check was not used for the intended purpose and was misplaced until XX/XX/XXXX. On XX/XX/XXXX, I presented the check to Suntrust Bank, XXXX, GA XXXX XXXX XXXX  for refund. I was told the check needed to be deposited into my account, but I closed my XXXX accounts at Suntrust Bank in XXXX due to poor customer service. In researching my accounts, I was told XXXX of my checking accounts was charged off for {$270.00}, which I disputed as I closed all XXXX accounts at the same time, in the branch. I was told that an item for {$49.00} presented for payment AFTER the accounts were closed. The account was RE-opened by the bank and the item was paid, followed by the assessment of several overdraft fees. The account was eventually closed again by the bank, this time with an overdrawn balance of {$240.00}, and a {$30.00} charge-off fee was assessed. The bank manager informed me that I would need to pay the charge-off, open another account at Suntrust and deposit the cashier 's check in order to get my money back. I requested copies of the account statements covering the payment and fees associated with the charge-off. I was told the statements would be sent in XXXX business days. It has been XXXX business days and the statements have not been received, but what I did receive was a bill for the {$270.00}.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I ordered an XXXX  on promotion with XXXX that had not been released, but was to be released soon ( and on a special promotion, buy one get one free ). I purchased one in store and paid cash on XX/XX/XXXX, and provided my credit card for the " free '' one, once it was available. The total charges were to include taxes, fees, and the amount over what was given for free in the promotion, for a total future charge of {$450.00}. In XXXX the phone was sent, but never reached me. It was traced and confirmed never received. I called in XXXX to inquire, and another device was sent on XXXX XXXX. This phone was received and I was billed {$450.00}. on my credit card. I was charged again XX/XX/XXXX another {$450.00}, which I disputed. I was charged again, and again and keep disputing. The bogus charge has been showing up and has never been removed from my credit card. I called the merchant XXXX and they issued a credit on XX/XX/XXXX. My credit card has not been usable for three months because it is showing over the balance of XXXX, even though I have made less than XXXX in charges in the last three months, and paid it off completely in XXXX. My payments don't post timely either, taking as much as 15 business days to post, even though I am making ACH draft payments from the same bank account I've made payments from for over a year. 
My credit is being ruined at a pivital time ( I am applying for mortgages ), because my balance reflects over the credit limit, when it is in fact less than 50 % of my credit limit. Please help. 20 hours of phone calls is not getting me anywhere.

I have had this card for over 17 years. At least 10 years of on-time payments, and this bank treats me like I am a terrible credit risk ( XXXX ). There has never been anyone in those 17 years that have suggested other banking products, except one. This past summer ( XXXX ) for the first time I was visiting a branch new to me and the manager suggested I apply for additional products. She was XXXX. First and last time courtesy had been extended to me.
Consumer complaint received 2020-10-15
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. (AZ)

Ex

perian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. In reviewing the attached screenshot all will discover that is an outright  XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin.

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-10-22
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. (SC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$630.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (PA)

charge off Profit/Loss write off ... still reporting a balance due. Different DOLA dates, date of last reported, date last active, date opened. Inaccurate data reported, requested A debt validation have not recieved, told debt collector agency send debt validation FCRA violations are subject to {$1000.00} per violation payable to me.
Consumer complaint received 2019-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
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: LendUp Loans LLC (TN)

Complaining in Accordance with The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977. Due to the following reasons.

1 ) Failure to merandize upon contact with Operator in an attempt to settle a debt.

2 ) Operator refused to let me speak to someone of higher authority to help with the situation.

3 ) Failure of Settlement with account being closed and reported to IRS for tax write off.
Consumer complaint received 2019-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

XXXX XXXX XXXX card sent me a letter stating i owed them money up in till they sent me the letter i have never even heard of XXXX XXXX XXXX call and told them i have never had nor do i wont one of there cards the account was sold to XXXX XXXX i have asked them for validation more than once and nothing from them ( XXXX  XXXX XXXX ) now onXX/XX/2019 i get a letter from resurgent capital services in XXXX MI that they bought the debit from XXXX i sent a validation letter out to them the same day mind you XXXX XXXX XXXX and XXXX XXXX and now resurgent capital services are all 3 are reporting on my credit report as owning the debit
Consumer complaint received 2022-07-04
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. (IL)

I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I've sent numerous letters to Equifax in and effort to fix my credit report. After not responding for several months and after my initial CFPB complaint have still not conducted the investigation not corrected/removed the inaccurate information from my report. This has been going on for over 120 days and I've sent most of the letters certified. Receipts were included in my CFPB complaint but apparently didn't help. To make matters worse I received a letter from Equifax ( I assume as a response to the compaint ) only addressing an account that I did not even dispute with their company and accounts I am actually disputing are still not showing as in dispute status nor have they been removed. This is extremely frustrating. What is the point of having a consumer protection bureau if they aren't protecting the consumer? Just sending my complaint to Equifax isn't working ... they're ignoring my right to dispute inaccurate information on my report and you guys are forcing them to look into it. I apologize for contacting you again but this whole ordeal has been extremely frustrating.
Consumer complaint received 2022-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to TransUnion and XXXX regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.
Consumer complaint received 2020-10-15
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: WELLS FARGO & COMPANY (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX  XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Consumer complaint received 2021-12-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TD BANK US HOLDING COMPANY (TN)

I bought a XXXX XXXX in XXXX. In XXXX, I had problems paying the note. The original loan holder sold my debt to a debt collector. Isn't it against the law for a finance company to give your social security, name, address and loan information to another party without your permission?
Consumer complaint received 2021-03-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (FL)

I have repeatedly asked Navient for validation of this debt. I have never acknowledged the debt as being mine and neither has Navient. Letters were sent out XX/XX/XXXX. It was received by Navient on XX/XX/XXXX. No response from Navient. The next letter was sent XX/XX/XXXX. Letter was received by Navient on XX/XX/XXXX. No response. Next letter was sent XX/XX/XXXX. Letter was received XX/XX/XXXX. No response. In the letters that they have receipt of, I also asked them to cease and desist any communication ( including phone calls or electronic ( email, text, social media ). I did permit communication via US postal mail. They have blatantly refused validation and have ignored my request to cease and desist any form of communication except for US postal mail and have called me 121 times since XX/XX/XXXX. Sometimes 6 or 7 times in one day. 
On XX/XX/XXXX, I have mailed them an Affidavit of Truth, asking a final time to validate that this debt is mine by sending me the original contracts with my wet ink signature between myself and Navient. They still continue to call me throughout the days and just Monday, XX/XX/XXXX threatened me with XX/XX/XXXX is my " last chance '' to respond. However, I have been responding since XX/XX/XXXX. 
In the packet, that I sent XX/XX/XXXX, I have listed every violation as it relates to Navient continued harassment, non-validation of this account, inaccurate reporting to credit bureaus that is harming the reputation of my natural person. They have reported this account to the credit bureaus 4 times saying that the payment is late. They sent me a letter on XX/XX/XXXX saying that they conducted an investigation with the credit bureaus saying that the information they are reporting is accurate. What was included in the investigation? Who conducted it? Why don't I have any information from them as I requested in my letters I sent to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is what I was requesting that they mail/send to me. Instead, they are reporting me as delinquent without showing me proof of anything. 
I also have strong reason to believe identity theft has occurred as I believe transactions have occurred using a credit card in my name by someone affiliated with Navient and now they have turned around and reported negative remarks on my consumer credit file fraudulently. 
The entire packet that was mailed to Navient on XX/XX/XXXX is attached.
Consumer complaint received 2020-10-15
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 (TX)

Hello, My name is XXXX XXXX. I am writing this complaint regarding Barclays Bank Delaware. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXXI XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX & XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$5800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-22
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. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$320.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX I have attempted numerous of times to see if the debt belongs to me since it was obtained during a time I was in prison which was public records all the company keeps sending me is a letter with a past due amount and my name on it.. 
The same thing with portfolio recovery Now if the debt is mine I am requesting everything I am allowed bi law to obtain like payment history how made payment or purchases you know its six years old and all I get from these companies is a letter with my name and a past due amount.. if its mine I will accept responsibility but am not paying for something like that I dont remeber owing.. and all I keep getting is the same letter my name and a past due amount nothing nothing to say it was me.. please help me obtain the relief I am allowed bi law to help me fix my credit I dont want to report fraud to start another negative remark for 7 years just because these companies keep saying I owe them with a letter and my name
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Consumer complaint received 2019-10-23
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. (RI)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (TX)

I received a credit alert today indicating a new account has been reported on my credit report. Upon checking my credit report, a collection account was placed in my file by Debt Recovery Solutions ( DRS ) with the XXXX credit bureaus indicating I owed {$1200.00}. 

I have never been contacted by DRS about any alleged debt. I have never spoken to anyone from this company and have never received any written or electronic communications. I have not received any type of validation notice stating the name, address of the original creditor, the alleged amount, and given an opportunity to request validation/verification within a prescribed period. This practice of placing unconfirmed and questionable collection accounts without notifying the alleged debtor first and following the FDCPA notice requirements is illegal.