davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (PA)

I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under XXXX. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, equifax and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Consumer complaint received 2022-07-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-01
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: General Motors Financial Company, Inc. (AZ)

On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report from GM FINANCIAL. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, GM FINANCIAL is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have attempted to solve this issue myself. Here is what i did. XX/XX/XXXX i sent a request for removal to GM Financial through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. I have provided all documents needed below. Thank you
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

I decided to sell my home in XXXX  of this year. I called my lender, Santander Bank, to get a payoff so I had a rough idea what I would get after the purchase and sale agreement went through. I made several maybe 5 calls to Santander and on one of these calls I asked the woman how much would the payoff be if I paid off the loan that Day. She answered about XXXX  plus some change. I asked her if she was 100 percent sure. I told her I could not be wrong. I believe she even put me on hold to confirm this with another person. She dd explain that interest accrued daily which i knew, On my statement it appeared that the pay off was XXXX plus change. It did show i was behind on escrow by about XXXX, but the pay off i was given made it sound like this was figured in and total balance on my statement appeared to be XXXX. So i go ahead and sign the purchase and sales agreement and when i went for the closing that number went up by XXXX. 16k was escrow i owed and XXXX  was the interest. no where on my bill did it say there was XXXX  in back due interest. So I appealed this through Santanders executive branch who supposedly listened to all the recordings of my calls from XXXX through XXXX. I was dealing with XXXX XXXX who rejected my appeal after sitting on it for 30 days. He knew my credit was going to change if i didn't close when i did. I do not believe they were being truthful only because I know what was said on that calls, I'm hoping you can listen to all calls from XXXX to XXXX, I believe the call in question occurred on XXXX with a woman named XXXX. 99 percent sure but other calls need to be listened to if this is wrong. they were off XXXX. I was aware that I was about XXXX  behind my payments and I specifically asked if the payoff included the XXXX  that I was behind on. They were adamant that the XXXX was included in the pay off of XXXX  and some change. if the In order to resolve this sooner than later I'm willing to eat the XXXX  in back due escrow if their willing to reimburse me for the XXXX  in interest as this amount was not on any statement. i believe the corporate address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Phone number XXXX. I dealt with the executive team like i said. their number is XXXX. I can't tell you how bad of a situation this put me in. i was able to delay my closing 30 days for them to make a decision. They basically said they couldn't assist me. i let it go for a month or 2 until someone suggested i contact the Massachusetts banking commission who then told me i need to go through you all, any assistance you can provide to resolve this will be greatly appreciated.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (DC)

This is a fraudulent account opened by someone who stole my identity. Therefore, I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Macys has been linked with multiple data breach where people personal information including payment details have been stolen https : XXXX https : XXXX I have previously contacted Macys to report this account as fraudulent and was told to file an identity theft report which I did and is include in this dispute. I have also included a NOTICE TO FURNISHERS and a copy of my previous and current drivers license to show that I have been continuously living in the XXXX XXXX XXXX since 2012. I have never received any paperwork, contract agreement, bills, goods or services at my address shown on my drivers license. 
I respectfully request that Macys provides me with the following : Signed contract or agreement showing my name and address ; Copy of my drivers license, social security or any other relevant information ; Any goods or services that was received ; Any bills or receipt that was sent to the address ; Proof that Macys attempted or contacted me regarding this account ( certified mail, letter, etc ... ) showing my address. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including this right : Any attempt to collect this debt without validating it violates the FDCPA. 
Until Macys provide concrete evidence requested above, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. 
XXXX XXXX
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

- XXXX XX/XX/XXXX I XXXX XXXX opened a checking and savings account with Suntrust bank ending in XXXX and XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust savings account ending in XXXX. 

- XXXX XX/XX/XXXX {$5000.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$2900.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

I made these deposits from my primary checking account I have with XXXX XXXX via online transfer to Suntrust bank checking account ( XXXX ) and savings account ( XXXX ). On XX/XX/XXXX my Suntrust bank accounts ending in XXXX and XXXX were frozen with no explanation leaving me no access to the funds in my accounts. I have called Suntrusts bank customer care call center numerous times and spoke to several staff representatives all to be told that they can not provide me with any additional information except that my account is frozen and set to be closed. I have also reached out to the branch manager of Suntrust bank XXXX XXXX MD location ( XXXX XXXX ) only to be told I will be receiving a letter in the mail pertaining to this matter and that she can not provide me with any further details. Throughout my attempt to rightfully gain access to my funds I have been cut short and hung up on multiple times by Suntrust bank call center. I still have yet to receive a letter in the mail from Suntrust bank with any details or contact information to a department that can assist me in the releasing of my funds. Now on this day XX/XX/XXXX I am out of {$8100.00} during this Covid19 pandemic when survival is most questionable and scariest. I at the moment have no income, job, or unemployment assistance due to Covid19. This unforeseen circumstance has greatly impacted my ability to function and survive. Unfortunately no one at Suntrust bank seems to be willing to help me obtain what is already mine. My Money! 

- XXXX XXXX
Consumer complaint received 2020-06-16
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)

I WAS IN XXXX FOR SEVERAL YEARS SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR LOANS AN CREDIT CARDS MY INFORMATION WAS ALSO PART OF A DATA BREACH WHERE MY INFOMATION WAS USED FOR IDENTITY THEFT THERE ARE SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT KNOW AND AM NOT FIMILAR WITH THESE ACCOUNTSI am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (AZ)

In XX/XX/2022, I was interviewing companies to provide pool cleaning services at my home in XXXX, AZ. The first pool company came to give me a quote. They checked my water metrics and pool equipment. They gave me a monthly quote for the pool cleaning service per month with 1 day per week coming to clean my pool. 

I had received an advertisement from XXXX XXXX XXXX for {$99.00} per month. I called them to see if they could accommodate this price. They said they had to have someone come check the water and equipment. In XX/XX/2022 this shady guy came to give me a quote. He said the pool needed the water to be pumped out & drained, acid wash the pool walls, refill the pool with water, and put all the chemicals in the pool. By the way, the pool was crystal clear and pool walls clean when he communicated that all this work needed to be done prior to the monthly pool service being started and quoted me an outrageous price. They never disclosed that they would charge to give me a quote and I never agreed to any charge for giving me a quote. 

I had another XXXX XXXX XXXX the next day come to give me a quote. They checked the pool water metrics and equipment and gave me a monthly pool service quote. Like the first pool cleaning company they didn't say I needed what the XXXX XXXX say I needed done to my pool and just gave me a quote for the monthly service anything the other In XX/XX/2022 XXXX XXXX XXXX came to give me a quote for monthly pool. I never agreed to start pool service with them, signed contract or service agreement, and they never cleaned my pool. 

A month later I get an invoice for them coming to give me a quote which they never disclosed they would charge me for giving me a quote neither did I agree that I would pay them for giving me a quote to clean my pool.
Consumer complaint received 2020-06-16
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXXBANKRUPTCY/DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request your assistance in addressing an issue concerning TransUnion 's inaccurate and potentially unlawful reporting of child support obligations furnished by the XXXX XXXX XXXX XXXX As a consumer, I believe this reporting violates my rights under federal and state law, including prima facie evidence of unfair reporting practices that could significantly impact my financial standing and creditworthiness. Despite my efforts to resolve this matter directly, TransUnion continues to reflect this information inaccurately on my credit report, failing to adhere to consumer protection standards established by the Fair Credit Reporting Act. I respectfully request your review and investigation of TransUnions reporting practices in relation to the XXXX XXXX XXXX XXXX, as it appears they are improperly disclosing personal financial information that does not meet statutory requirements. Please take the necessary actions to ensure compliance and to prevent further damage to my credit record.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (FL)

XX/XX/2019 - Signed up for Experian monitoring and XXXX  services and did not increase my credit score as advertised. In addition, lowered my credit score after opening a dispute in order to have me enrolled in an increased paid service.
Consumer complaint received 2023-01-09
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SERVICE ( XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.