davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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Consumer complaint received 2023-08-30
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.
Consumer complaint received 2023-08-30
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. (TX)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CO)

I had a XXXX XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-30
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$2500.00}
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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Consumer complaint received 2023-08-30
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. (NC)

I did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 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. Also, they aren't even in compliance with Metro 2 credit reporting.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (IN)

Received a letter in XX/XX/XXXX stating I had an outstanding balance at XXXX XXXX ( TX ). I have not ever done business with this company. The company is a electric power provider in XXXX, TX. I have lived my entire life in XXXX XXXX IN, and have no real estate interest or other relationship with anyone in XXXX. Someone clearly had stolen my identity in order to obtain power at a residential address in XXXX. They told me to file a police report and complete the FTC Identity Theft form. I immediately did both and forwarded to the company. It appears that in XX/XX/XXXX, this company forwarded the 'bad debt ' information to a Mercantile Adjustment Bureau . I received no communication from this collection company. On XX/XX/XXXX I received a notice from a company that monitors my credit stating that a 'derogatory remark ' had been added to my credit file. I reached out to Mercantile Adjustment Bureau, obtained a FAX number and name whereby I could again submit my documentation. The representative told me the only method of submission was FAX. I have attempted 3 times to FAX the requested information, but the FAX # is always busy. I again reached out to XXXX XXXX and resubmitted the items I had submitted last XXXX.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OK)

On XXXX I filled out an card application via web link https : XXXX? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX for the CITI SIMPLICITY CARD which is offering 0 % XXXX on purchase for 12 months, 0 % XXXX on balance transfers for 21 months with a balance transfer fee of 3 % or {$5.00} minimum ( for the 1st 4 months ) ... ... ... I then clicked on the link to fill out the application for this same card https : //online.citi.com/US/ag/cards/application? XXXX & XXXX : XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX % XXXX % XXXX & XXXX XXXX XXXX as you can see when checking these links there is no mention or option for the CITI DIAMOND PREFERRED card nor did I apply for this card ... XXXXwhen my application was processed to my surprise I received an email congratulating me on being approved for the DIAMOND card ... ... after seeing the fee for balance transfers on the DIAMOND card was 5 % instead if 3 % I called to explain there was an mistake made by CITI and that I did not agree to different terms ... XXXXthey insisted I did and advised there was nothing they could do to change the terms so now I am reaching out to you for help I don't have and did not use any other link so there must be an error on their website/system causing the issue
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

IN XXXX XXXX I WENT INTO XXXX TO MAKE A PURCHASE AND TRIED USING MY XXXX CARD. TO MY SURPRISE IT DID NOT GET APPROVED. SO I CALLED THE AUTOMATED SERVICE TOLD ME THAT MY NEXT PAYMENT WAS NOT DUE TILL XXXX XXXX. I CALLED THEM AFTER AND AGAIN I VERIFIED THAT MY NEXT PAYMENT WAS DUE ON THE XXXX. THEY THEN IMFORMED ME THAT A CHECK THAT I HAD ALSO SENT TO THEM FOR AN ADDITIONAL PAYMENT ASIDE FROM MY MONTHLY DUE PAYMENT FROM MY EMPLOYER WAS RETURNED BY BANK AND THAT WAS THE REASON THEY CLOSED MY ACCOUNT. I ASKED THEM IF THAT WAS IN THEIR TERMS AND CONDITIONS AND THEY REFUSE TO ANSWER THAT QUESTIONS. I TOLD THEM THAT I WAS CURRENT ON MY PAYMENTS THEY REFUSE TO HEAR ME OUT I BELIEVE THEY HAVE A CONFLICT OF INTEREST TO ONLY BENEFIT THEM SELVES AND RUIN CONSUMERS CREDIT RATINGS. PLEASE HELP ME RESOLVE THIS ISSUE. I NEED MY CREDIT RATING NOT TO BE AFFECTED. THEY HAVE NO REASON TO CLOSE MY ACCOUNT
Consumer complaint received 2023-08-30
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (VA)

My Charles Schwab account was frozen on XX/XX/XXXX or XXXX 2023. It is now XX/XX/XXXX and I still do not have access to my account. I contacted Charles Schwab and they said I simply have to visit a physical branch and verify my identity. I went to the branch on XX/XX/XXXX and provided requested documents. They told me my account will be unlocked in 3 business days. 

After 3 business days my account was still frozen. I contacted Charles Schwab again and was told that their fraud team was still investigating. The agent told me they would email the fraud team for a follow and they should be contacting me in another 3-5 business days. But I received no contact within that time. 

So, I called again. Another agent said they will email the fraud team and they will contact me in 3-5 business days. Again, no contact. 

I then talked to another agent who got ahold of the fraud team. They now said my in-person identity verification wasn't enough. They told me that a Medical Insurance check that I cashed was flagged. And that they need to verify that I was the person that deposited it. The agent told me to back to a physical branch again and verify. I brought the original check to the branch. 

The clerk didn't know what to do with it, so she called someone. Soon to tell me that that the original check was unhelpful. Wasting my time once again. She said she will email the fraud team for an update. Again, I received no such update. 

I was then told my an agent to try and get a letter from my insurance company to verify that the check is mine. My insurance said that don't do that but they can do a group call with the fraud team to verify. Problem is, even Charles Schwab agents struggle to get a hold of the fraud department. 

Also, my insurance said it shows in their system that Charles Schwab have successfully cashed the check. Proving that it is a real check. 

I have prepared my Explanation of Benefits that details and includes the check in question. If they would even accept that document, no agent in the subsequent weeks have been able to contact the fraud department to ask. 

Through the weeks, I have contacted several agents that will " email the fraud team '' and have gotten nowhere. They have held my money for almost 2 months under the guise of " protecting me. '' I have once again called for and update today, just to receive another " email and 3-5 business days '' response. I'm tired of running in circles with this company.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

I have a mortgage with Suntrust. On XXXX XXXX, 2017,  Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form. 

All these forms were sent to Suntrust Loss Draft Dept,  some of them multiple times at Suntrust 's request. 

I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust. 

In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?
Consumer complaint received 2017-12-05
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: United Revenue Corporation (TX)

United Revenue Corporation has been provided my personal information and is using is without merit and authorization to report a medical collection on my credit report. I have requested multiple times to have this negative and unauthorized information removed from my credit report and been unsuccessful in getting United Revenue Corp to do so.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.