davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. (NJ)

I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

Since XXXX or XXXX I have the checking account ending in XXXX. For the last 2 years - Ally bank has gone from worse to worst. 
No customer service associate available via chat or phone. 
Long wait time and very useless customer service. 
Check deposits are very unpredictable. 

Deposited a check of {$15000.00} via ally mobile app on XXXX XX/XX/XXXX at around XXXX. 
Till now there is no status on that check. I know it's next business day but it's too long a wait and something like Ally which is only online bank should be doing much better.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

I received a XXXX deposit into my account XXXX XXXX XXXX deposit for XXXX and another for XXXX for my business XXXX XXXX XXXX XXXX. the bank allowed access to the funds until XXXX XXXX and froze remaining funds that were in the account and stated that the would be sending remaining funds back to XXXX. I have waited and provided documentation showing that I'm the owner of the business and have been waiting since XXXX, XX/XX/XXXX the remaining funds were removed from my account which than I believed the funds had been sent back I reached out XXXX days later to the XXXX which was XX/XX/2021 and was informed funds still hadn't been received the bank failed to notify me of the steps for my money and still are holding funds at the security dept and stated it could be a additional XXXX  months before they even send it back to the XXXX can you assist?
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VT)

I wrote a check im the ammount of {$5000.00} ( # XXXX ) from my XXXX checking account on XX/XX/XXXX to XXXX XXXX. 
XXXX on XX/XX/XXXX deposited it into her account at Truist XXXX The check cleared my account XXXX days later. However, even after clearing my account, they froze XXXX money as they thought my check was " fraudulent ''. They told her that I would need to request that the check be recalled by myself or my bank. 
I spoke with Truist XXXX on or around XX/XX/XXXX to try and resolve the issue. This bank would not speak with me as I am not a customer of theirs. 
On XX/XX/XXXX I opened a case with my XXXX XXXX  and asked them to recall the check. Case # XXXX They stated they would work with the other bank to recover the money. I spoke maybe a couple of times with no progress over the next few months. 
On XX/XX/XXXX They opened another " XXXX XXXX '' # XXXX. Was told again they would try to work with XXXX XXXX to have the funds unfrozen and returned to my account as they were not releasing the funds to XXXX. 
On XX/XX/XXXX XXXX " upgraded '' the case # XXXX and said they were continuing to work on this issue. 
On XXXX updated the case again # XXXX and said they were in the process still and that i just needed to continue to be patient. I checked in a few times over the next couple months and was told again to be patient. Somewhere during this time, XXXX bank closed out her account and told her they would be returning check ( I have yet to hear from them or recieve any refund ). 
On XX/XX/XXXX I recieved a letter from XXXX stating they needed a signed declaration of what had transpired. With a claim # XXXX to which I responded on XX/XX/XXXX. 
XXXX XXXX also worked with her bank to return or release the funds to no avail. 
I do not understand, legally, how a bank can take a check, not release the funds or return the funds to the original sender in over a years time. This bank has kept my money for over a year and should not only have to return the money immediately but be charged interest on withholding the money! To me this is theft. I, in good faith, wrote a legally valid check, to which this bank recieved the funds and instead of distributing them as intended has just kept the money. I have fought with both my bank for help, and Truist XXXX for over a year. Speaking with Truist, their policy states the longest they can legally withold funds is 30 days. So how they have allowed this to continue for this long is criminal. It has wasted COUNTLESS hours of my time and resources with still no resolution.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX 's XXXX  is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.
Consumer complaint received 2020-12-04
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. (CA)

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had mailed a check to my lawyer at the end of XXXX. On XX/XX/XXXX, I opened my Capital One checking account and realized {$8300.00} had been withdrawn NOT authorized by me. I noticed a check for that amount in my account, which was not written by me or in my handwriting. It was a check number from my account and that I had recently written check XXXX for {$10000.00} out to my lawyer XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and mailed it in a XXXX XXXX XXXX at XXXX and XXXX. My best guess is that someone must have intercepted and made a copy of my check and wrote it out payable to XXXX XXXX for {$8300.00}, which was not authorized by me. It is clearly a fraudulent check with no watermark on the back or area for the person to sign. I called Capital One to report immediately and froze my checking account to prevent any more fraud. As of today XX/XX/29, I am still waiting for Capital One to finish the investigation and return my money. I just learned that legally banks have a 10 day window to determine a fraud outcome. It has now been 25 days, and I have called numerous time to find out the status and Capital One has been of no help. I filed a police report, a XXXX fraud report, and XXXX Report, and an FTC report. 

Police Report # XXXX XXXX XXXX Request # XXXX FTC Report # XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (GA)

XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX/XXXX ( amount= 0 ) Account Status= Negative the account was closed and paid in full with no late payments XXXX XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX  ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX/XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital one has now changed the date of closing to 25 days. I called to see when my new date was for it to close out and it was on the XXXX of ever month and now it can post anywhere from the XXXX to the XXXX of each month. So they are getting more interest from me. I pay the payment as soon as it posts now on pYmnt day and I always pay extra on it. I have called to ask if they will lower the interest rate and they always say no way. I have had this card for over 20 years and I have never been lTe on it. I feel that someone needs to look into the practices of capital one and do something about this. Please check on these practices of capital one and I would like to know why they won't lower my interest rate since I XXXX  way aheD of time and pay extra on it every month. I pay at the least XXXX and somethings XXXX over the minimum point. Please help us XXXX people who are being XXXX  by capital one credit card company
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc. (NJ)

XX/XX/XXXX - Received collection notification from Savit Collection Agency. I was unaware of a debt from XXXX XXXX XXXX ( because they had an incorrect address for me ) so I called Savit and they sent me the XXXX bills. XXXX XXXX XXXX improperly billed ( billed as eye exam ) my insurance company ( XXXX ) for three service dates ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). All 3 dates of service were for medical issues ( diagnosis codes are included on the bills ) however XXXX XXXX XXXX coded them as eye exams and XXXX doesn't cover that so they were rejected. Unbenounced to me, until i received a statement ( with the wrong address ) in XX/XX/XXXX and XX/XX/XXXX. At which time, I called XXXX XXXX XXXX multiple times and was told they would process them again. I was never informed that the bills were being rejected and hadn't been processed. 
XX/XX/XXXX - I become aware of the issue when Savit Collection Agency reported the debt to the credit agencies ( credit score dropped XXXX points ). I spoke to XXXX ( billing is too old to reprocess ) and Savit ( they need XXXX XXXX XXXX to recall the debt ) numerous times and both conclude XXXX XXXX XXXX is at fault. However XXXX XXXX XXXX won't return my calls or emails. 
I have included all documents to support my claim. Please intervene and fix the issue. I have a stellar credit report history for over 45 years and have NEVER made a late payment. Thank you for your time.
Consumer complaint received 2024-10-11
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. (IL)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX