davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

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

Date : XX/XX/XXXX Amount {$220.00} Action Taken : Under Collection, status Paid Date : XX/XX/XXXX Amount {$120.00} Action Taken : Collection/Charge off, status Paid Date : XX/XX/XXXX Amount {$180.00} Action Taken : Collection, status Paid Date : XX/XX/XXXX, XX/XX/XXXX, Amount : {$540.00} {$540.00} Action Taken : Revolving Account, Status Paid Date : XX/XX/XXXX, XX/XX/XXXX Amount : {$850.00} Action Taken : Collection/Chargeoff, Status Paid
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION (TX)

I was a customer of Suntrust Bank beginning in XXXX. During the Suntrust Bank to Truist XXXX acquisition my payments to my credit card did not post. I have paid online and on time since XXXX, but Suntrust now Truist does not show a payment between XX/XX/XXXX and XX/XX/XXXX and has reflected on my credit reports. 

I contacted Suntrust Bank, now Truist to resolve this issue, I was given credit card case number XXXX on XX/XX/XXXX. I made a follow up call to the bank XX/XX/XXXX and the representative stating he could not locate the case number. Suntrust/Truist Bank had amble time to resolve this issue.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (AR)

On XXXX XXXX, I was contacted for the first time ( as far as I know ) from an unknown number. They left a voicemail that said my full name and that I have failed to respond and now they are trying one more time before ending voluntary communication. The voicemail said that they were willing to settle for 70 % of the debt or offer 12 month debt payments. It then gave the account number for my collection account. 
I immediately called them back and requested that they mail the information to me so I can verify the debt as I am unaware of this medical bill theyre referencing. 
Later that day, I got the EXACT same recorded message that had been left on my husbands Ex-wifes cell phone that she forwarded to my mother in law, who forwarded it to me. 
Id like it noted that I have no connection to my husbands ex-wife and there is NO reason they should be leaving all of this information on anyones voicemail- much less someone Im not even related to or in contact with. 
It should also be noted that the voicemail is a recording from XXXX XXXX. When you call back, everyone refuses to let you speak to him because they claim he is the guy that just leaves messages. I have the voicemail recordings available for both calls and can be sure that theyre both recordings!
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: EQUIFAX, INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (VA)

I was subject to fraud via XXXX. The person who filed in my name requested a debit card. The debit card came and I am not able to reach anyone with the company to report fraud. This company does not have a way to contact them and make you activate the card. This is no good. Consumers have no way of feeling safe. 
Way2Go Card is the name of the vendor.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bankruptcy : Bankruptcy Account # XXXX has violated my rights. 15 usc 1681 section 602 A states I have a right to privacy. 15 usc 1681, section 602 A, section 2, also states a consumer reorting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-24
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: Sequium Asset Solutions, LLC (CA)

I received a response from XXXX re : Conf. XXXX. It fixed most of the issues but did not resolve the Sequium issue. The dates are still inaccurate and all over the map. They and Sequium need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.
Consumer complaint received 2020-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Resurgent Capital Services L.P. (WI)

LVNV funding LLC I believe this is an installment loan that my brother in law or someone fraudulently opened in believe its fraudulent I have never ever gotten an installment loan or a loan with such high interest my identity has been stolen over 5+ accounts have been fraudulent made what makes me think this is my brother in law is because this company is in South Carolina where he is from and lives and he has had access to my info and the time period just makes sense that it was him
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID - # 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 SOFT INQUIRIES Date Company Request Originator Description XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXXXXXX XXXX XXXX  XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX  XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX XXXX ID Report XXXX XXXX | XX/XX/XXXX Page 39 of 46 XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX XXXX XXXX  Direct to Consumer Report XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XXXX XXXX, XXXX XXXX  Credit Report XX/XX/XXXX XXXX XXXX Prequalification for Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On July 28th, Capital One received a payment of {$2100.00} from XXXX for outstanding payments on my credit card ending in XXXX. This payment was in error since I had made a previous payment on July 14th of {$2200.00} for the same purpose. I called Capital One and was told that yes, the payment of {$2100.00} exceeded the amount required to pay off the outstanding balance, and a check would be remitted for the balance of {$2100.00}. 

This appeared clear cut to me. I overpaid and Capital One would reimburse the overpayment. 

In looking at my statement, on August 16th, I find I had been charged {$2100.00}. I called customer service and eventually talked to a XXXX who tried to explain why I was charged. The explanation was incomprehensible. She could not understand that there should have only been two actions : ( XXXX ) Capital One received an overpayment. ( 2 ) Capital One returns the overpayment. 

Although I contacted the card company about two weeks ago, I have yet to receive the {$2100.00}.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MI)

I have a checking and savings account with Ally Bank. 
I received a large check from the County in which I live, a check from a government fund that was provided to me for the purposes of housing relocation Before depositing it with Ally, I verified with them via telephone that I could submit the check to them via mobile / echeck deposit, and that {$300.00} of the funds would be available the next business day, and the remainder on the XXXX business day. 
The first {$300.00} was made available as promised. 
Exactly XXXX hour before the remainder of the funds were to be made available, they froze my account and all of the funds and transferred my account to their " Loss Prevention / Fraud Department ''. 
I have spoken to XXXX different people in that department who have been beyond rude, accusatory, arrogant, and condescending, and on a power trip because I am at their mercy I have been told : -Send proof of the validity of the funds and they will be released to you immediately. I did this and the funds were still not made available. 
-Then I was told that the first rep was incorrect, it will take XXXX days to review this " suspicious '' check I had deposited. 
-Then I was told that providing the proof I provided would not have any effect on their review of my account and the check, that it will take a solid XXXX business days for these funds to become available. 
-Then I was told to call back the next business day and speak to a rep and just ask them to call the bank the check was drawn on to verify the funds and the money would be released to me. 
Nobody there knows what the proper procedure is, ALL of them have accused me of trying to deposit a fraudulent check, ALL of them have been rude and argumentative and a couple were even threatening. ALL of them refused to let me speak to a supervisor. 
They have also blocked all access to my account, I can no longer log into my account online or through the app to at least monitor the progress of my account and they are holding {$16000.00} of my money. 
Because of this I lost the housing I was supposed to put a deposit on using these funds.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (IA)

On XX/XX/XXXX I purchased a MasterCard gift /prepaid card for the amount of {$75.00}, Upon getting home I registered the Card online, to my address, name, and phone number. when I went to use this card I couldn't find it, So after turning my house over and over, I realized to just report it " LOST '' .when reporting it lost I sharded the total info to them, they acted XXXX and stupid. Pretended to want to replace it and nothing happen. due to this fraud, a scamming business does unethical and illegal practices. they had my info and knew that and still would refund me a new card for the Lost one. also asking for my social security number and scamming more, I would like these people investigated, and taken to Federal court for fraud and Theft. thank you, would like your involvement in seeking restitution for me.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Tranunion of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Transunion must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for transunion 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Transunion would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Transunion stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that transunionanswer the following questions so I feel confident that their investigation efforts were not made in bad faith. 
What was Transunions method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that you conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Transunion verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did transunion verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. 
Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is transunions grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I was a customer of XXXX Bank beginning in XXXX. During the XXXX XXXX  to XXXX XXXX acquisition my payments to my credit card did not post. I have paid online and on time since XXXX, but XXXX now XXXX does not show a payment between XX/XX/XXXX and XX/XX/XXXX and has reflected on my credit reports. 

I contacted XXXX XXXX, now XXXX to resolve this issue, I was given credit card case number XXXX on XX/XX/XXXX. I made a follow up call to the bank XX/XX/XXXX and the representative stating he could not locate the case number. XXXX XXXXXXXX had amble time to resolve this issue.
Consumer complaint received 2022-06-27
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: ACIMA CREDIT, LLC (LA)

I have contacted Acima XXXX FKA Simple regarding an account that is listed on my credit report that was opened fraudulently. Account number XXXX original balance XXXX. I have advised Acima that this account was opened fraudulently and have requested a deletion off my credit report. I explained that an ex roommate XXXX XXXX stole my information and opened this account. She had access to all my personal information, drivers license ect. I have filed a FTC report regarding this issue. I have not heard anything back from Acima regarding this issue. 

Your assistance is greatly appreciated regarding this matter.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has 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 an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. 

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
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (NC)

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 U.S.C 1681. 
XXXX, XXXX, Experian all have different information reporting on my credit report XXXX XXXXXXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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.