davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Consumer complaint narrative I submitted a dispute to Experian to take theArizona XXXX XXXX off of my credit report but it has been there for years. I have never lived in Arizona yet it isstill on my report. Alsohave been trying to raise my credit score in order to get a {$15000.00} XXXX XXXX loan. For over a year. Working with the XXXX After paying a collectionsaccount my XXXX XXXX score ( The only one the XXXX goesoff of ) My XXXX XXXX credit score has been barely going up. It seems like a rigged game. While my other scores the FICO XXXX and my FICO XXXX XXXX have gone up. I have5 hard inquiries 3 by theXXXX  thinking my Bank card XXXX score would eventually rise up like my other scores only needing to get up to XXXX on the Bank card XXXX it sits hopelessly at XXXXWhile my other scores beingXXXX XXXX respectively. I've also did a new FICO XXXX and I got 3 more points to my FICO XXXX but no movement on my Bank card XXXX score. Little changes happen after disputes and little is positively listed in my credit report mostly negatives. I never can reach a human being. Only recordings and talking to computers for hours after multiple calls and frustration trying to get someone explain tome how to raise theBankcard XXXX score. Experian seems to take pride in not talking to actual customers. It is horrible service and bad business practices. There are even you tubevideos trying to tell people secrets to actually talk to a human.https : XXXX I'm charged for reports that under federal law should be free. I need these credit reports so I can get this loan for my business. The reporting agencies are so vague, disrespectful, and have so many ads and other companies offering credit repair. Thank you for any help you can give me. 
Sincerely XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Was a victim of Hurricane Harvey and had to move from XXXX XXXX, Tx to XXXX XXXX, Tx. Contacted XXXX XXXX about the bill being owed and I was told that due to the devastation they were waiving the bill. They done this for a lot of people affected by the storm. Here is some years later and I am getting this on my report again. LVNV was on my report at the beginning of the year and then taken off. Now here it is XXXX and it is back on there again. Why is that? I was told by XXXX XXXX is would be waived. I still have XXXX XXXX to this day. Why haven't I been charged for this by them if I still have service with them. This should not be on my report. I contacted XXXX  XXXX and they don't even have a record of it. I need to see the original bill for this because I never received one.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX To XXXX it XXXX concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my XXXX report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( XXXX ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. XXXX Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, Stone Mountain, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This company is horrible this credit reporting agency Im a victim of fraud they have my ftc report they sent me by mail the dispute results showing deleted but the inqueires are still reporting their system sucks when I call To Complain they do Nothing to have it updated and removed from My report correctly
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-26
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)

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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? Please update and correct my account right away. 

XXXX XXXX
Consumer complaint received 2020-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On XX/XX/2020 I was scammed and robbed by Cash App. I called customer support using a phone number avilable on XXXX. The number was answered " Cash App '' and the person then began an eloborate scheme to rob me. At some point I was asked to supply another account number for a different bank account other than the cash app associated account. I refused and it seem to me that something was wrong. I went on the computer and my account looked unusual. I called the bank and my wife who unknown to me, was being scammed by another person at the same time. The bank told me to come in and file a dispute. I did and was denied after " an investigation ''. We went in again and we were told that we were complicit in the deceit and that the bank/credit union was not responsible. They further said that it was my fault because I gave the scammers the account number. When I indicated that when I call the bank I am requested to give my account number and I don't expect to be robbed. For me there was no difference. Ultimately, the bank/credit union refuses to return my money or cover my loss including associated fees totaling {$2300.00} XXXX hosts fraudulent and illegitimate phone numbers and ads. The credit union failed to protect me/my funds, my XXXX debit card. Cash App doesn't host a phone number for customer service and it is not obvious in their app.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. XXXX XXXX is providing false and inaccurate information to the credit bureaus.
Consumer complaint received 2023-04-18
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. (VA)

I have never given any of the following companies ' permission to access my credit report in any capacity 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 EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX None of these companies will be able to provide any written or verbal documentation stating they have my permission to access my credit report. 

Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I hold a checking account with citizen bank which used to be XXXX and recently they have taken {$2000.00} from my account without my consent and my authority and didn't even bother to send me the letter before they took the money out. 
When i called them they said someone from the bank employee in the counter service has deposit the money into my account with an error 1 year ago when it used to be XXXX and now the XXXX was bought in by Citizen bank they took the money out. They money never came into my account and all our banking services, mobile banking, internet banking, ATM services were all closed and i couldn't even verify the trasaction. Now the citizen bank is not listening to it's customer and every weeks it's charging me the service fee of {$30.00} and {$9.00} from my account, which is very unethical and unfair. Please i want you guys to help me out and take the action against the bank. 
Ref : Claim number : XXXX
Consumer complaint received 2021-02-22
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. (TX)

Transunion failed to remove all hard inquires that were inaccurate/do not belong to me due to fraudulence ; violating FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} USD ) or imprisoned not more than one year, or both. Also claiming that all inquires are accurate and will remain on my account for no more than 2 years and stated that its required to have a police report and refused to investigate the matter ; For Transunion 's claims on inquiries being accurate without evidence they are in violation of Title 18 U.S Code Section 287. Also, the Affidavits of deletion and removal, that I had notarized and are in their database on file, inquiries that I demand to be deleted/removed are listed below as well as listed in the affidavit. 

Transunion Hard Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2022-12-12
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: SYNCHRONY FINANCIAL (WA)

I have submitted XXXX legitimate disputes over the past year, both have been denied without proper investigation and rationale. 

XXXX ) : The charge for {$860.00} from XXXX car rental on or about XX/XX/2022 This rental was for a XXXX passenger SUV during busy Spring Break. We received a XXXX passenger SUV. We required rental of another vehicle to accommodate our party. XXXX would not settle this matter to my satisfaction. All documents were submitted to Synchrony Bank showing the additional rental, contract for a XXXX passenger SUV and pictures proving a XXXX-passenger vehicle was provided. This claim was denied by providing non material paperwork from the merchant. 

XXXX ) : Charge for {$68.00} from XXXX  XXXX XXXX AZ. This was for an outdoor bench that was never delivered. I contacted the merchant for a tracking number and delivery date and no response was ever received. XXXX searches show this site is likely a scam, see the link below. 
XXXX XXXX XXXX Unbelievably, this claim was also denied and I have yet to receive paperwork indicating why. I called the dispute department and spoke with a supervisor named XXXX. She told me that the merchant provided a shipping label to prove shipment and the item doesnt have to be delivered. I asked for a tracking number, she stated the merchant could not provide XXXX and that I have to prove I didnt get the item. Not sure how to prove something DIDNT happen. This makes XXXX sense and when I tried reasoning with her, she hung up on me.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NV)

On XXXX I was unable to login to my bank account with simple.com I have called them on XXXX from the time their business hours open till the time their business hours are closed and no one is answering the phone lines. 

I called them again on XXXX from the open of their phone lines till the close of their phone lines and no one is answering. 

Additionally, I have called them again this morning and have waited on hold for over 2 hours. Calls are either disconnected or never answered. 

simple.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result I am unable to access my bank account or contact my financial institution.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (AL)

BBVA USA now PNC is trying to collect a debt that I dont owe. Its been more than two years since I closed my account with them and after that they probably keep charging and charging into that account to then send me a collection debt. How if I closed more than two years ago this account, they unscrupulously keep sending me their marketing ( I called to stop them from sending me as well their marketing, they are not in compliance with that ), and keep charging me money that I dont owe. 

I called today XX/XX/2021, I did two different phone calls. The first phone call hang up because I requested to speak with a XXXX  customer service not a translator. My second phone call deny me the service because I requested the phone call to not be recorder, I know my rights and I can deny that, also he refused to include any names. 

Also, I dont even have on the documents the amount they says I owe to them. 

I want this company to stop harassing me with their marketing and tactics to collect money that I dont owe.
Consumer complaint received 2021-07-20
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: EQUIFAX, INC. (FL)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MO)

In XX/XX/2022 I called Mohela and complained they were reporting information on my report several times. I also requested to consolidate the loans and was approved for consolidation. When I opened the loans I was not told the loans would have several accounts. I was never told the the several accounts would report several times and on different dates. This is false inaccurate reporting and ruining my credit because each month my credit decreases by XXXX points and has done so for 15 years. This is ruining my credit, stopping me from getting a house, and good employment. 
I called again in XX/XX/2022 and complained about the same issue and 2 days later another XXXX balance was added to my credit report even though I requested my loans be consolidated into one payment on one account. This eas never was never done. I also requested to defer my payments until XX/XX/2022. I was told this was approved as well but the loans still keep showing past due.
Consumer complaint received 2022-06-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

Hello, my name is XXXX and I have struggled with my credit my whole life due to living paycheck to paycheck. After years of adolescent ignorance and lack of personal responsibility, I have had a USAA XXXX ( the only type of credit I could get approved for for years ) now ) i Just got my score above XXXX, after much diligence and smart choices. Unfortunately I had to max out my card several times, but Set my payments to make double the minimum due twice a month, and that seems to get the balance down fast, until I could make the early payment I had done for months consecutively.. But unfortunately I was waiting on my tax return and a paycheck the same few days of being terribly broke. THEN IT CAME! A good check and a good tax return. And IMMEDIATELY I paid the card off in full.. thats when I noticed a late fee.. I curious what this was as Id never seen it before, then I realized my payment was due the day prior to me paying off the card entirely. I callled USAA and they confirmed the card balance was paid off in full, but unfortunately it wasnt until it had already been reported and I was told by USAA Id have to contact you guys, bc they cant go back. BUT since This, I havent missed a payment but see it as a delinquent payment.. Ive attached a payment history on the card so you can see the number of payments Ive made on time in hope you can waive this one payment that was HOURS too late. 

All of my other credit has charged off and is closed so I cant do anything ab it but wait, unless you have any suggestions
Consumer complaint received 2022-06-11
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. (UT)

XXXX XXXX AND EQUIFAX CREDIT REPORTING AGENTS ARE IN FACT LISTING ON MY PERSONAL CREDIT REPORTS INACCURATE AND FRAUDULENT INFORMATION IN MY GOOD NAME. NOW DAMAGED. 
ACCOUNT NAME CREDITOR XXXX XXXX XXXX I NEVER OPENED THIS ACCOUNT. 
I HAVE FILED AN FTC REPORT AND CONTACTED XXXX.