davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX XXXX XXXX and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Got a letter from Bank of America saying that they are working on an credit card application under my name for the XXXX XXXX XXXX XXXX XXXX XXXX ( R ) and need to verify the info on the application. 
I called my bank and let them know that I didn't apply for the card and that my identity info have been compromised. I request them to cancel the application process.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-10-21
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (DC)

Experian was provided an identity theft affidavit but failed to rectify the consumer 's report. The recent inquiry by XXXX XXXX XXXX was performed because someone, whose XXXX XXXX  XXXX could not successfully verify ( and, therefore, is reasonably assumed to be someone other than the account holder ), had applied for credit using XXXXXXXX XXXX credit report XXXX However, Experian has ignored the identity theft affidavit or information provided by XXXX XXXX  XXXX about the nature of the inquiry performed.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Block, Inc. (IA)

The company Square sends me an email daily saying that a payment of {XXXX} did not go through and I need to pay them. They are sending the email to XXXX. They say it is for an electric company called XXXX XXXX in XXXX, Iowa. This has been going on Since XX/XX/2022. I have responded to the email with cease and desist. I have called XXXX XXXX and he said he didnt know how to stop the collection activity. I have called Square and they said they could not stop it and that XXXX XXXX would have to do it. They are violating FDCPA law. I am tired of the harassment. Please help me.
Consumer complaint received 2022-08-12
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 XXXXtransunion has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive disputed these items several times. I have no knowledge of ever opening these accounts. I have constantly called the creditors concerning this matter and none of MY information matched their file.The creditors illegally used the information that I provided to update their profile.
Consumer complaint received 2023-04-05
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account # XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX Account XXXX XXXX with XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-12
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. (OH)

Hi, I've been trying to perform a online dispute of my Experian Credit report for over 5 years, and I always get the same error technical error. I have already contacted all departments by phone, and letters have been sent, no matter what browser, device, time of day, I get the error saying that for security reasons I can not file disputes online. I believe that my right to have a correct credit report is being usurped from me, and it's is not legal. I have spoken with tech support numerous times, and the only thing they can do is recommend that I open my disputes over the phone or by letter. I need my account to be verified by a competent sector, I need a resolution to this problem. I'm attaching an image of the error, and my credit report for the location of my files. I've already helped my friends play online with Experian, and they don't get this error, only me. I would like to have a resolution that this error persists with me for over 5 years, and I need a technical solution. Docs attached.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 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 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have tried to work with this company but they have ignored me. I am not sure of the debt but my wife passed in XXXX and many of her accounts stayed open and suffered fraud. I was in a major accident and I am now XXXX since XXXX XXXX, XXXX, and I have been off work, I can not walk well. I would like some help getting rid of this debt or something without filing bankruptcy. The company has not helped me. Please help in some way and stop this from continuing. It is now in court, I have a hard time getting to lawyer and I want to fix this. Please send this to the lawyer and court or help me in some way.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been an account holder with Truist ( and it's predecessor banks ) for over 30 years. I have been using electronic banking and bill pay services since they became available. On XX/XX/2022, in the course of setting up/adding a new joint account to my profile, someone at Truist deleted my online account ( i.e., my ability to access my accounts online, not the accounts themselves ). This was not authorized, and I do not know why it was done. 

To access my accounts, I had to create a new user profile ( i.e., a new username/password ). While I am now able to access my accounts, all of my account history ( including 20+ years of payees/account information, autopay information ) is no longer available. 

I spent several hours on the phone ( mostly on hold ) with Truist. During that time, ve spoken with numerous customer services representatives ( and their supervisors ), including representatives from Digital Support only to be told that once the online account is deleted the bill pay information is gone. Given federal regulatory requirements for bank data preservation, I find this very hard to believe. 

On XX/XX/2022, I received three ( 3 ) identical copies of a letter dated XX/XX/2022 from the Truist Enterprise Fraud Department indicating that " ... effective immediately, it is necessary to close the above referenced account ( s ) ''. There was no return address nor phone number. The letter indicated that if I had any questions I should visit my local Truist Branch in person with two ( 2 ) forms of identification. I promptly visited my local branch and met with the banker that helped me open the account on XX/XX/XXXX. He called someone ( he could not tell me who ) and told me they do not know why the letters were sent and said I should disregard them. I have uploaded a copy of the letter for your review. It is unconscionable that a bank 's fraud department would send such a terrifying letter to a bank 's customer and not be able to explain why it was sent. As far as I can tell, the account is still open, but I have no confidence that it won't be suddenly closed at any time for no reason at all.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2021, I opened online a " Beyond Checking '' account with TD Bank. On XX/XX/2021, I opened online a " Beyond Savings '' account with TD Bank. TD Bank promised that, if I had and maintained at least {$2500.00} in qualifying direct deposits within 60 days of opening the " Beyond Checking '' account, I would earn, among other things, {$300.00}. TD promised that, if I deposited {$20000.00} or more in new money within 20 days of opening the " Beyond Savings '' account, I would earn, among other things, {$200.00}. I satisfied all these requirements for the " Beyond Checking '' and " Beyond Savings '' accounts for more than 140 days, but TD has not paid me either {$300.00} for the " Beyond Checking '' account or {$200.00} for the " Beyond Savings '' account. I have called TD 's Customer Service office multiple times, and have been told that I qualified for the {$300.00} and {$200.00} bonuses, and that I would hear back from TD Bank, but TD Bank continues not to make these payments to me.
Consumer complaint received 2022-08-12
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. (NY)

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I took out a personal loan at the end of XXXX with Bethpage Federal Credit Union. Everything was fine in the beginning until covid hit. I started having problems making payments and requested assistance. The bank gave me a short forbearance and extended the loan to help, but I continued to struggle to keep the loan current all the time, but did make payments as I was able. Starting in XXXX I started to struggle financially as my wife became sick and as time went on required multiple XXXX  and was unable to work much over the year. In XXXX of XXXX I myself had to have XXXX due to a XXXX XXXX and was also out of work for 3 months. I contacted the bank about my financial hardship over the following months seeking some assistance with the loan. I spoke with a few different people over the phone with the bank about any options but was not offered much help and often got conflicting info each time I called. I was asking to extend the loan, lower payments or interest rate to help or any other options that would help along with making a payment right away to help get the loan into a better standing to get assistance. A few days after I last spoke with someone in XX/XX/XXXX I got a message from the bank that I only had 1 month of deferment left and that it would not help and it was too far behind, even though I was willing to make some kind of a payment to help. 
After that, I heard nothing further and then in XXXX I got a letter saying the loan was charged off, along with something about a profit/loss status, which I was unsure what that meant.After that letter I never heard anything again or got any request for payments, until XXXX I got served with a summons from a lawyer for the bank that I'm being sued for the remaining amount. This was a total surprise as I asked for help and made an effort to try to work something out with them before it got to this point and they offered little to no help even after I had paid more than half of the loan. I feel as though its unfair and predatory the way they handled this, I had a similar situation with them a few years ago and after it came out that they had multiple errors on a foreclosure they filed against me that got dissmissed, and said they would be retraining employees and making changes to avoid these types of problems in the future with unfair collection practices and employees not knowing about help that was available and never offered, I feel like nothing changed and its happening all over again.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-26
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)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations