davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax or XXXX to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my account was closed due to multiple checks being returned over a period of time. It is entirely understandable why the decision was made. The accounts were closed with a total value of {$49000.00}. It was advised to me on XX/XX/XXXX that the account closure would be completed in seven to ten business days. In my call on the XXXX business day, I was informed that this date had been pushed back a few days. This process continued for over a month to have this date changed, each time a day to 3 day interval. Since I was out of the office on XX/XX/XXXX and XX/XX/XXXX, I missed my semiweekly/daily call. On XX/XX/XXXX, I called the company to learn that I had been officially closed out on XX/XX/XXXX, and checks were mailed on XX/XX/XXXX, and I should expect to receive them within 7-10 business days. Following this information, I checked my mail on a regular basis. I did not receive the checks on XX/XX/XXXX, which was disappointing for my company. Instead of receiving my checks, I received two letters stating that my accounts had been closed out, but my funds were frozen pending verification. After opening the letters, I called the account closure team for information as there is no information regarding timelines or if and when I will receive the funds my business needs to continue operating. My company has a staff of over 30 individuals who rely on this job to pay their bills and support their families, and I do not know how long we can operate without these funds. Both representatives I spoke with on the account closure team were very brief and vague in their responses. After closure, a mysterious back office decision was made to withhold the funds to further " verify '' them. I would have assumed that after a month of funds being withheld for verification, this would have sufficed. I requested to speak with someone who is involved in the verification process or who works in this area of the company. According to them, I am not permitted to speak to anyone and the best they can do is send them an email and wait for a response within 7 to 10 days. The supervisor I spoke to informed me that I am unable to receive any confirmation that this communication has occurred. I have attempted to make contact with various people within the organization they will not communicate with me. I received a call this afternoon from the organization stating they have completed their investigation and I am not entitled to these funds. They claim to have done two different investigations and they are not willing to issue the check for my that are being held.
Consumer complaint received 2019-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX   Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX  Inquiry : XX/XX/XXXX Travel/Entertainment ( XXXX  ) XXXX XXXX XXXX   XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX  ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (NJ)

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. Account name : Account Name XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXXXXXX : XXXX Account Name : XXXX XXXXXXXX XXXX  : XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX balance is at 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 written instructions. 15 U.S.C 1681e. ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( XXXX ) 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 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I was first contacted by this company via email roughly six months ago regarding a debt they said that I owed to XXXX XXXX XXXX XXXX. I responded back that I am not aware of this debt and to show they are the holder of any Promissory Note or Contract signed by me. I received a letter dated XX/XX/2022 and I responded back to the letter via certified mail with return receipt. I received an email today with an attachment of the so-called final bill but that is not any Agreement I signed or a signed Promissory Note. I continue to dispute this debt and the validity of the debt ; I also dispute who the original Creditor is.
Consumer complaint received 2019-02-19
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 came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end
Consumer complaint received 2020-05-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax Credit Report XXXX XXXX account XXXX XXXX  Original Creditor : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX status : unpaid balance : {$170.00} This inaccurate collection. Please have removed from my credit account immediately based on the Fair Credit Act of XXXX, both the original agency and credit management are in violation of my rights. I was not contacted and given the opportunity to cure and also this debt is paid in full. Please completely remove this debt from my credit report. I do not consent to this being listed on my report. 


I do not authorize inquiries to be pubic on my credit report. Please remove 2 inquiries listed XXXX and XXXX XXXX, XXXX XXXX.
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: Affirm Holdings, Inc (LA)

I contacted Affirm on XX/XX/XXXX regarding two account opened fraudenlty in my name and have not received a response regarding this matter. I explained how my ex roommate XXXX XXXX, opened these account in my name using my information. She had access to my cell phone, and all of my personal information. I tries to file a police repot however due to the amount of the debt I was advised to file a FTC report which I did regarding this issue and provided Affirm with a copy of the report. 

Affirm : Acct # XXXX Original balance {$550.00} Affirm : Acct # XXXX Original balance {$620.00} It look like both account was opened on the same day XX/XX/XXXX.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Unauthorized use of ATM/Debit Card Account Ending in XXXX Claim Number : XXXX Amount : {$1700.00} Dear Sir or Madam : I am the victim of fraud. My ATM/Debit card was used for unauthorized transactions between XX/XX/XXXX, and XX/XX/XXXX. I did not authorize the transactions listed on the attached documents. In fact, I did not go into that store during that period of time, to the best of my memory. I did not authorize anyone else to use my ATM/Debit card. Also, I did have my debit card with me the day I went to notify the bank. I memorized my Debit card PIN and I do not have it written down anywhere. I do not have any idea of how my PIN was stolen from me. 
In XXXX XXXX the bank of America temporary credit my account, in XX/XX/XXXX the credit of {$170000.00} was removed. After that, I appeal the case and my account was credited in XX/XX/XXXX while my claim was in research. Finally, on XX/XX/XXXX the credit was remover again and the claim was closed.
Consumer complaint received 2019-02-18
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. (AL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank allowed someone to open an account under my information citizens sent me a letter stating my account was over drawn. I have NEVER had an account with them. I went into the bank twice and several phone calls. The bank said it went to the fraud department my case number is XXXX. Yesterday I received a check in the amount of XXXX I called because I didnt know why I got this check. They told me it was for a loan! I NEVER applied for a loan. Citizens asked me for my account number I told them I do not have an account. They asked me for the number on the check. Here is that number XXXX I was them sent to recover but since I did not have an account number she could not help me
Consumer complaint received 2019-02-18
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. (AL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2019-02-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (FL)

I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXXXXXX XXXX! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX CARD Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello! 
I have wrong reported information on my credit report. I attach my credit reports as a proof of inconsistencies. 

Experian : XXXX - Date opened XXXX XXXX, XXXX. 
1. XX/XX/XXXX - reported late payment 30 days 2. XX/XX/XXXX - reported late payment 30 days 3. XX/XX/XXXX - reported late payment 30 days 4. XX/XX/XXXX - reported late payment 60 days XXXX. XXXX - XXXX XXXX : XXXX - Date opened XXXX XXXX, XXXX 1. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 

XXXX : XXXX - Date opened XXXX XXXX, XXXX XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 30 days XXXX. XX/XX/XXXX - reported late payment 60 days. 


As a matter of fact there are a lot of inconsistencies.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC (IN)

XXXX XXXX XXXX XXXX  and its assigned credit collecting agency, Lloyd & McDaniel PLC, have done irrevocable damage to my credit, my livelihood, and my understanding of the credit system. XXXX XXXX, through its excessively aggressive collection techniques, and inability to comprehend that there is a fraudulent charge of {$20000.00} on this credit account, have refused to acknowledge that it is fraud, have attempted to collect on a debt that is not owed, that is under investigation by the Indiana Attorney General 's office and the Federal Trade Commission, and is currently being dealt with by our business insurance company. 

At present, XXXX XXXX continues to file lawsuits, aggressively, to collect on a balance that is not owed. Any balances that were owed by myself or my company have been completely rectified and I can not understand why this charade is continual. We have done everything in our power to avoid a countersuit, but it appears that this will be imminent as XXXX XXXX refuses to acknowledge my rights under the FDCPA and continues to collect on debt that is not owed to them and is subject to investigation by law enforcement authorities.
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (FL)

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.
Consumer complaint received 2019-02-18
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. (FL)

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES PAST 3 MONTHS TO DELETE AND DISPUTE THIS INCORRECT INFORMATION THAT IS BEING REPORTED ON MY CONSUMER FILE. THIS IS AFFECTING ME AND I WANT THESE REMOVED IMMEDIATELY.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (MS)

Navy federal converted my secured credit card ( nrewards ) from a 10 % interest rate to a variable interest rate over 16 % ) without my knowledge and without my consent. This card was obtained while on XXXX XXXX in the military is protected by the service member relief act formerly known as the soldiers and sailors relief act. I have reached to this company multiple times I. Writing and also filed a complaint with national credit union association whom stated they were forwarding my case back to CFPB. I am angry that this federal credit union is allowed to mishandle accounts in such a way and impose bogus charges to its consumers in such I have over paid on this card. I was also threatened for closure of this account in which they did because I didnt want to switch to a different card not only that this union continues to report on this card and list on my credit when it is closed. They also fraudulent take the amount of money they want out of my account even though I gave them an amount I was able and willing to pay. This issue has festered way too long and if needed I will file a civil suit. This email was sent to XXXX XXXX the former President of Navy Federal credit union before he retired. The new president is XXXX XXXX.