davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report.

I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record.

I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed.

I formally demand the following negative account records to be verified and/or removed immediately.

Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable )
Consumer complaint received 2021-11-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

Notice, it is a Fact, that, I agent for principal XXXX, XXXX and XXXX, I am federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will autograph for my given name XXXX, XXXX and as the agent and administrator in fact. 



Notice, it is a Fact, that, unless SYNCHRONY BANK can provide a policy or state law which shows that the aforementioned policy and state law supersedes federal law, I hereby invoice the law of presumption and invoke federal law in to address the subject matter in affidavit herein. 



Notice, it is a Fact, affiant is aware, documentary evidence pursuant to XXXX XXXX XXXX includes all documents, papers, correspondence, books of account, and financial and corporate records which invoice all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( A ). I need clarity who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in XXXX Publication XXXX. 



Notice, it is a Fact, affiant is aware with resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to XXXX XXXX XXXX ( XXXX ). 



Notice, it is a Fact, affiant is aware, SYNCHRONY BANK as the creditor may not collect any disputed amount, I the consumer and affiant, does not need to pay, the creditor can not restrict, accelerate payment or close an account and make or threaten any adverse reporting to any person about the consumer standing without resolving the billing error. Such actions by SYNCHRONY BANK will forfeit its right to collect the disputed amount as described in XXXX XXXX XXXX ( XXXX ) and hold the creditor liable under XXXX XXXX XXXX for SYNCHRONY BANK pursuant to XXXX XXXX XXXX for failing to require documentary evidence as requested to clarify and revolve the previously addressed billing error.
Consumer complaint received 2023-01-11
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 use to have a mortgage with this company, but they were completely paid off in 2020. They keep reporting to my XXXX, Equixfax, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining credit score and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of 2020. Also, they are reporting each month to my credit report as late.
Consumer complaint received 2022-08-01
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)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX {$940.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (UT)

On XX/XX/21 I received an email from XXXX indicating that I have a new account under my name. When I looked at the account, it indicated that the account was Sequium ( XXXX ) with descriptors of collections derog and was opened on XX/XX/21 with a balance of {$280.00}. I have no idea where this charge would have come from. From research, it indicated that the company tends to work with internet/cable providers so I looked into my previous and current internet companies ( XXXX-previous ; XXXX-current ), and those are fully paid. All of my other accounts and medical bills are paid. I have no idea where this charge would have come from. I also have not received any calls, emails, or letters regarding this collection. Relatedly, I have zero documents to attach to this complaint because I haven't received any. I believe they are falsely making this claim and highly damaging my credit score in the process. I would like this resolved and removed as soon as possible.
Consumer complaint received 2024-12-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CA)

I am filing a Discrimination Complaint with the U.S Department of Education, Inspector Generals Office. XXXX is forcing me to pay a XXXX XXXX. I have my XXXX XXXX records from XXXX XXXX XXXX, XXXX of XXXX. There is no record of any Student Loans, no record of any Disbursements made to me to substantiate I received any funds from this XXXX XXXX. I am not disputing the origination of this XXXX XXXX. XXXX can ONLY prove this Student Loan originated XX/XX/year>- but they can not PROVE any funds were disbursed or allocated to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the amount of disbursements made to me, in my name, any canceled check, any deposit slip to my bank account, any evidence that I received any FUNDS from XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no proof I received any money from this XXXX XXXX. Also, I am being held accountable to pay back the FULL AMOUNT of {$4000.00}, in which, I did not even attend class for a FULL Summer semester. XXXX XXXX SHUT DOWN the City of XXXX XXXX in the Summer XX/XX/year>. I was unable to attend the Full Summer session. XXXX XXXX XXXX does NOT disburse the FULL Total Amount of Student Loans all at XXXX time. It is disbursed as needed PER-Semester/Class credit hours carried. XXXX is violating my rights and is discriminating against me. I will defend my Civil and Human rights until JUSTICE is served.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit Reporting Act XXXX  Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX, XXXX # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grain Technology, Inc. (IL)

XX/XX/XXXX through XXXX Ive sent email after email requesting help changing my banking info since Ive closed one account and went to a better bank they send back an auto reply stating someone will email me back this has cost me over 90 points on my credit. Ive called and only get automated options no actual human. However they send a statement faithfully every single month. My credit has now went to the lowest its ever been all because no one will help me.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

When I opened a new cash app account, the account told me that I had a previous account with money in it. I tried to follow the steps in the app to verify the account. However, it asked me to verify a debit card that I no longer have. At that point, the app told me to contact support, which I did. I have XXXX accounts : XXXX XXXX ( old account ) and XXXX XXXXXXXX ( new account ). I want to transfer any funds from XXXX XXXX to XXXX XXXXXXXX. They keep citing security reasons but I have the same phone number and email that I have had, for XXXX  years. They could verify me through those means. See attached convo with account rep. 

Footnote : I suspect the debit card that they are seeking was my XXXX debit card. I closed all my accounts at XXXX in XXXX  and cut up the cards.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

An unauthorized stranger went in person to a Citibank branch with a debit card and a pin and to a teller and withdrew {$9600.00} from my savings account at XXXX on Thursday XX/XX/year> in cash and the teller only accepted the debit card and pin as identification. The bank has done nothing as of now Monday XX/XX/XXXX. Ive had to close my account .. open a new account.. freeze all my credit .. and I still have not gotten my money! I have filed a complaint and a police report.. I have an email with address where the debit card was sent and the email of the bank address of the transaction and the teller that made the transaction
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (FL)

Someone used my EIN number and social security number to open up a business account in my business name XXXX XXXX XXXX at US Bank They used an address of a rental property that I own and I received a letter to my home address asking for me to verify which is when I called to question the account
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (LA)

I, XXXX XXXX, am filing this complaint against Factor Trust. Factor Trust is in violation in regards to the information that is being furnished to my consumer report. I would like to state that Factor Trust is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Factor Trust any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and I DEMAND they be removed from my consumer report immediately. 1. XXXX XXXX XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX. IF THEY ARE NOT REMOVED, I WILL HOLD FACTOR TRUST CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If FACTOR TRUST can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

Dear Citicards Customer Service, I am writing to formally dispute a hard credit pull conducted by Best Buy on XX/XX/year>, at approximately XXXX XXXX. This inquiry was made without my knowledge or consent, and I believe it was processed in error, involving incorrect information. 

At no point during my interaction with the Best Buy associate or manager was I informed that I was applying for a credit card, nor was I made aware that a credit report would be pulled. I was explicitly told that I was simply enrolling in a free Best Buy membership, and the terms " credit, '' " credit report, '' or anything similar were never mentioned.

Additionally, the Social Security Number ( SSN ) associated with this inquiry is not mine, which raises concerns that either incorrect or fraudulent information was used to initiate this process. 

Given the unauthorized nature of this credit pull, I request that you immediately investigate the matter, remove the hard inquiry from my credit file, and provide written confirmation once it has been resolved. 

If I do not see this inquiry removed by XX/XX/year>, I will have no choice but to take immediate legal action with my attorneys to protect my rights. I trust this matter will be resolved promptly, but I want to make clear that I am prepared to take all necessary steps to ensure this issue is rectified. 

Please confirm receipt of this email and provide an update on your investigation at your earliest convenience.
Consumer complaint received 2022-02-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (CO)

On XX/XX/2022 we were sold solar panels by a company called XXXX; we were told we needed to complete a loan application that same day which I did with GOODLEAP ( which we later found out was not true ). We later learned that XXXX sold us twice as much product as needed at about twice the cost of another solar company. I immediately cancelled the sale with XXXX on XX/XX/2022. I called Good Leap on XX/XX/2022 and also requested they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. I called Good Leap on XX/XX/2022 requesting they cancel my loan application. They continue to REFUSE to cancel this loan application ( for over {$80000.00} ). Today I was told by a XXXX XXXX that it is still NOT CANCELLED and she has no intention of cancelling this loan application because they are HOPING I will change my mind. She literally told me " this doesn't hurt you in any way ''. It does hurt me ; they are holding me XXXX. I am not able to work with a different solar company or loan product.
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

After numerous attempts to reverse a transfer that was made in error from my checking to credit card account. I was forced to close my accounts. I was mocked. Laughed at, and berated by Citibank. All of this while my card was enrolled in a disaster program. No payments were due. Numerous calls to supervisors escalated inquiries and countless fill up and they did not reverse the XXXX to my checking account. Today I was told it was denied again because payment is coming due. But no payment is due as its in disaster recovery and the {$400.00} should be reversed to my checking account.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Consumer complaint received 2023-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (ID)

Some one opened an Electric Utility bill in my name and now it's in Collections. The Collection company is XXXX XXXX XXXX ( XXXX XXXX XXXX ) The Utility bill was opened in Texas and I have never lived in Texas.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$8400.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX