davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
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: EQUIFAX, INC. (AR)

I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC. (CA)

CASHCALL has reported a charge off account on my credit report and now started aggressively attempting to collect debt on the account that does not belong to me in first place. After requesting validation of debt, cashcall provided " loan transaction history '' in my name or similar name showing payments made but NO evidence or image of the payments they received. They also provided " promissory note '' in my name but at the address I never resided at ... Further more contract 1 ) has NO signature, 2 ) ss #, 3 ) date of birth or 4 ) the name of the loan originator AND 5 ) it shows an interest rate of 139.12 % which is a usury for the state of CA where it was originated and states the originator is governed by the laws of California where limit is 10 % Now I received a collection call, letter and threat to legal action from cashcall and XXXX XXXX for an erroneous loan, supposedly opened in 2014 ...
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (MD)

I submitted a dispute to both Equifax, XXXX and XXXX. Several times in regards to a debt collector called lvnv that put 2 accounts on my credit. The most recent dispute was on XX/XX/year>. The Issue is ( 1 ) XXXX  we're not allowed to report without notification according to regulation 12 ofr. Bto the credit bureaus. I requested that this be investigated and to provide documentation of notification. XXXX contacted me on XX/XX/year> with a letter that an attorney reported identity which was not all true. I was not afforded the opportunity to have the debt validated or verified. The other issue was XXXX reported an amount that was different than the original creditor. Equifax and XXXX reported the creditor reported verified. But XXXX we're not only to chage their account from debt collector, to debt buyer and now shows on my report as a factory account. They also changed the debt from one month to another. Again Equifax and XXXX allowed without notification to the debtor and with no explanation as to why they changed date of debt without documentation to me. Or to the credit bureaus. XXXX deleted. But on all 3 of my credit reports, there are. inconsistencies between the original creditor and XXXX  including the original creditor charge off amount was different than what XXXX said was owed. There are no payments made on the orginal creditors report, that should have also been reported by the debt collector. Dates are missing, dates are incorrect, but XXXX and XXXX continue to report.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (NC)

I am currently a Suntrust Customer. 

On XX/XX/XXXX my XXXX XXXX XXXX Retirement was deposited. 

On or about XX/XX/2020 I had some movies that were over due with XXXX XXXX which debited my account {$95.00}. 

This started a down hill spiral with my account. Suntrust has let my account continue to have charges debited from my account even though the funds were not available in the bank account, Each time the paid a debit that I did not have funds sufficient enough to cover the charges. They paid them and charged me {$36.00} each time, These transactions they paid even with the funds not being available, Has now cost over {$280.00} in total fees they have charged me. Not a single text or phone call email NOTHING, to let me know the account was over drawn. 

I went to the branch in XXXX NC Suntrust Bank XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX in Retail Banking she indicated that letters were sent out in regard to the overdraft, AS of XX/XX/2020 I have not received any letters in regard to my account being overdrawn. 

This seems like an abusive practice to me, Why did they continue to pay transactions when the money was not in the account. This was 8 transactions from XX/XX/XXXX to XX/XX/XXXX. 


I tried to file a compliant on the Suntrust On Line Compliant.  After answering all the questions and submitting the form. The screen told me to call an 1800 # I called the 800 number, They left me on hold for 68 minutes trying to locate a supervisor. This was unacceptable for me to hold that long. 

I feel Suntrust financially abused me and has taken close {$300.00} from my fixed income account and did so with out even a phone call! The lady XXXX told me they were not allowed to call me. This comment was a shock since they have called me in the past regarding purchases I made. 

Thank You for any help you can provide in this matter XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

XXXX To : Consumer Financial Protection I received a dated letter XXXX XXXX -XXXX  XXXX for XXXX application for credit request not approved. This application is a FRAUD. Identiy thieves have stolen credit information for ( XXXX XXXX XXXX ) in attempt to obtain merchandise and have also done this in the recent past with XXXX XXXX XXXX and XXXX XXXX store. Please be forward this to the proper authorities for legal processing and investigations. XXXX  XXXX XXXX XXXX p.o. box XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ( XXXX ) XXXX XXXX XXXX for XXXX application for credit
Consumer complaint received 2024-10-15
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. (FL)

This is will be my third compliant about inaccuracies on my report. Experian has been reporting transactions and experience from XXXXXX/XX/XXXXXXXXAs congress stated under the fair reporting credit act 15 u.s code 1681a ( 2 ) as provided in paragraph 3 the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report.The above mention accounts are reporting transactions and experiences making the report inaccurate.Experian has failed to ensure proper procedures to assume maximum possible accuracy of the information being reported. Experian has failed to provide me before hand of how reporting was verified. What procedures was taken to ensure proper accuracy was being reported.As 15 u.s code 1681a ( 2 ) ( I ) stated the consumer report DOES NOT include transactions and experiences. XXXXXX/XX/XXXXXXXX and experiences should not be on my consumer report.
Consumer complaint received 2024-10-15
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. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


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
Consumer complaint received 2021-05-23
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. (DC)

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 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. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time XXXX XXXX has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (TX)

US Bank has not assisted me with an invalid charge on my credit card. 
I initiated an online order with XXXX XXXX on XXXX. XXXX XXXX never delivered the furniture to me as promised. On XX/XX/XXXX I was told the furniture was on back order by one customer service representative but later receivednumeroustext that my order was on it's way on different dates by XXXX XXXX. 
*On XXXX XXXX I receivedan email from " XXXX XXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 30 minutes away. 2 hours later I receiveda text from XXXX XXXX that stated my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receivedan email from XXXX XXXX that stated the order I placed would be delivered. 
*On XXXX XXXX I receivedan email from " XXXX XXXX Delivery '' on behalf of XXXX XXXX XXXX confirm delivery. I declined to confirm any time frames per the email instructions. 
*On XX/XX/1919 I receiveda text from XXXX XXXX that my delivery was 20 minutes away. No one showed up in 30 minutes. Two guys showed up hours later with damaged furniture that I refused delivery on. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XX/XX/XXXX. *On XXXX XXXX I receivedan email from " XXXX XXXXXXXX XXXX '' on behalf of XXXX XXXX to confirm delivery. I declined to confirm any time frames per the email instructions. *On XX/XX/1919 I receiveda text that my delivery had been scheduled for XXXX XXXX.The last text that I receivedfrom XXXX XXXX was on XXXX first stating that my delivery was 15 minutes away. No one ever showed up. 
Throughout all of this I never spoke with a customer service rep again after XXXX as I was no longer interested in doing business with XXXX XXXX. I contacted US Bank in XXXX to dispute the {$960.00} total that XXXX XXXX had placed on my account. XXXX XXXX then dropped {$400.00} some odd dollars from the pending charge and charged the difference to my credit card. Later I noticed the {$400.00} dollar show back up. 
I have attempted to resolve this issue with US Bank but US Bank ( my credit card company ) says that I have received goods from XXXX XXXX via mail communication. My credit card company did not provide me with any proof of delivery. I never received anything on this order from XXXX XXXX.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Using Equifax website and phone line both, I was unable to lift credit freezes for myself and for my wife. When I finally reached an agent some 25 minutes later, I was told their website was being updated. AT XXXX, MST time, I really doubt this. 

I finally got my credit lift squared away. My wife is not home yet so we can not complete the process and we need to do this quickly. 

WHY IS THE GOVERNMENT ALLOWING THIS COMPANY TO CONTINUE WITH PROBLEMS LIKE THESE?? 

IF THEIR WEBSITE IS BEING UPDATED, THEY CAN CERTAINLY LIST IT ON THE SITE AT THAT TIME AND SAVE CONSUMERS ALL THE HASSLES OF TRYING TO COMMUNICATE WITH THEM. 

I HOPE SOMEONE CARES ABOUT THIS
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX , DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

After the holidays, I reviewed my bank account and saw several unauthorized charges ( I had traveled north for the holidays, and these transactions were in Socal and also Arizona ). I reported them/filed a claim and closed my debit card and requested a new one be issued. They assured me I would not be responsible for any of the  transactions that were not mine and that was it. I moved the remaining funds out of my account in the meantime to avoid further issues, and heard nothing back on the claim status and didn't think anything of it as I have a medical condition and have been in and out of the hospital while I wait for XXXX in the next couple of weeks. I called to follow up today as I had received my new card and needed to activate it. They informed me the claim had been closed after a " thoroughly exhaustive '' review which somehow was performed that same day within a matter of hours and then closed. They denied my claim and said my only options were to call the merchant and file a police report. I informed them I had already contacted the merchant and they'd told me to contact my bank. Their response was they could do nothing else. I asked to be transferred to someone to close my account, but was left on hold for over 20 minutes so I had to hang up as I have doctor 's appointments today. I will call back and close my account later today but am so frustrated this has become so much work for me.
Consumer complaint received 2024-10-15
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : 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, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared in yOur last response you asked me to send my SSn #
Consumer complaint received 2024-10-15
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. (IN)

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I believe that this company is attempting to collect a debt from me without having a valid license to operate as a debt collector in the state of Indiana. 

It is my understanding that under Indiana law, debt collectors are required to be licensed. The absence of a license raises significant legal concerns regarding their ability to pursue collection activities against me. 

I request that this matter be investigated, and I urge the immediate cessation of any collection efforts by XXXX XXXX XXXX. Furthermore, I ask that any negative information related to this account be removed from my credit report. 

Please be advised that if this issue is not resolved promptly, I may need to take legal action, which could result in seeking damages for violations of state law and recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I have been a victim of fraudulent activities and I never opened or utilized XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX or LVNV Funding LLC. 

None of those account are mine. I never lived in those cities, never utilized these utility companies in my entire life. 

I would like to report a fraud activity under my name and need to get these removed under immidiately under my name. I've been fighting to all three credit bureuas regarding any fraud activities in my name. 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-07
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. (TX)

I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.