davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-28
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. (AZ)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2024-08-28
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)

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are reporting inaccuracies
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

This collection sue me one and i pay it sent payment and now there trying to sent something else i don't know who they are they already garnished my pay for about {$3000.00} and sent garnish to my job and they paid out my paycheck and I don't owed this money to them there not the bill collect I owe were XXXX XXXX and the the payment went to another collection call Resurgent receivables LL I don't know them never sent me anything no record of receipt now they put on my credit report now I owe them now {$1000.00} that I don't know anything about and I don't owe no credit collecting and say I been owe them since XX/XX/year> been ask to remove and they will not it on my credit report as a collection and it derogatory mark and it keep me get a place to stay am tried of please help to know my right and take
Consumer complaint received 2024-08-28
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. (TX)

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are reporting inaccuracies
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

There were a total of 21 authorized credit cards issued to XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Fl XXXX. HXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These cards were issued under my name XXXX XXXX XXXX, XXXX XXXX and My daughter XXXX XXXX. The cards were issued to him without our consent or knowledge at the time. He used our identity and social numbers without consent. He receives these cards and statements at his address in our names. Originally we thought that he did it for travel points, but they travel out of the US with first class accommodations. She is a XXXX XXXX and he sells on XXXX under XXXX XXXX XXXX. Things do not add up.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NC)

On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was XXXX XXXXXXXX XXXX XXXX in XXXX XXXX Iowa and the other was Elan financial services/XXXX in XXXX North Dakota . I did speak to sale in fraud department at XXXX XXXX and he saw the application but said it was denied. Elan financial services told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (DE)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (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.

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 2024-09-02
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-13
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. (AR)

The law states that there should not be a late payment reporting on my consumer report at anytime and should no include any transactions or experiences between me the customer and any person making a report furthermore I have never given any consent for these alleged transactions. 

These areas clear violations of my consumer rights under. 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and 15U.S. Code1666b
Consumer complaint received 2024-09-02
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-28
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-22
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. (GA)

I am writing to formally submit a complaint against the three major credit reporting agenciesXXXX XXXX, and Equifaxregarding their handling of my recent disputes. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and related regulations. 

Despite my efforts to dispute inaccuracies on my credit report, none of these agencies conducted a proper investigation. Specifically : XXXX XXXX XXXX " XXXX XXXX ", in the amount of {$280.00} XXXX XXXX XXXX in the amount of {$1000.00} and XXXX XXXX XXXX in the amount of {$1700.00}. 
There rare also numerous of fradulent inquiries on my XXXX credit profile and Equifax. such as : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

Failure to Investigate Disputes : Each agency did not adequately investigate the information I disputed. I provided supporting documentation to substantiate my claims, but my disputes were dismissed without a thorough review. 

Lack of Original Contracts : I requested original contracts and documentation related to the disputed accounts, but I did not receive any. This lack of transparency raises concerns about the validity of the debts reported. 
Failure to Validate Debt : The agencies did not validate the debts as required under the FCRA. Without proper validation, the accounts in question should not be reported on my credit file. 
These issues violate 15 U.S.C. 1681b, which outlines permissible purposes for consumer reports, and the FCRA 's requirements for accurate reporting and dispute resolution. Furthermore, the agencies failed to address my disputes in a timely manner, as mandated by law. 
I respectfully request that the CFPB investigate this matter and take action to ensure compliance by these agencies. I believe the disputed accounts should be removed from my credit report, given the lack of proper investigation and validation.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (KY)

To whom it may concern : Credit Fresh XXXX XXXX Member FDIC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX I am writing in complaint with your company loan process that I am trying to pay off, but I have noticed that only a {$10.00} is going towards my principle and your company is collecting {$55.00} out the {$65.00} I am paying every two weeks. It has been a year since I have had this loan open, and it seems as if I will not be able to pay it off because my biweekly payment of {$65.00} is not going to my balance in full. I need this account closed and put in as paid in full. This is considered predatory lending ; you give out a loan that makes it difficult for people to pay off this company should not be able to practice in this manner. I will be seeking an attorney to further review my loan agreement. I will also send this complaint to XXXX for further action. They claim the billing cycle fees but what they are doing is not legal. I hope to join the class action lawsuit along with the other customers who have been wronged by credit fresh. I hoping to get all of my refund back from the overpayment. I have received emails XX/XX/year> stating that I owe and additional {$110.00} because I had a missed payment in XXXX. I have reached out to this company regarding this matter and they have not tried to resolve the debt. They keep asking for more money, I will never get this paid off because they have it set up in away that is not making it possible to do so. I was also told over the phone by customer service when I asked what will it take to pay this loan off and I was quoted another {$1000.00} something dollars, so basically all together I would be paying {$2000.00} dollars. I did not understand the loan application of how it was set up and writting out on how much I would pay back but I only borrowed {$1000.00}. FYI, I have also reported this complaint to the XXXX and they did not receive any response from Credit Fresh.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-28
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. (WA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

I tried signing up multiple tes for my stimulus pandemic relief fund im Renewable rescourse through water wind and need some assistance to complete getting a secure phone and data plan XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

a Security breach causing my Business Checking Account to be fully taken over by a person not know on XX/XX/year>. they were successfully able to make 3 ACH wires from my Truist business account for a total of {$29000.00}. In 6 years with truist I have send 1 ACH totalling {$3700.00} and they were able to send 3 within minutes without any security measures being taken to decline them. all the while my account was two factor authenticated as I do with all of my accounts. I never got a single notification for any of the ACH 's sent. upon going to the bank I was informed that they were trying to call me and asked the number of which they tried to call. come to find the criminal had changed all of my information and never received any 2 factor authentication messages for these changes either. since finding out about the fraud I have : -Filed Police report with XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) -Filed report with FBI ( XX/XX/year> ) -Disputed Transactions ( XX/XX/year> ) -Affidavit for Truist ( XX/XX/year> ) -Scanned all devices for malware per banks request XX/XX/year> After doing all of this a new account was opened with the banker leaving the unknown criminals information in my profile to access my new account! hadn't I caught the fraudulent profile it possibly could have happened again. it is now XX/XX/year> and I have visited the bank numerous occasions to get updates. I was told they they " escalated the request for answers to the fraud department '' and were no help. I finally received a call on XX/XX/year> stating that the receiving banks were not required to respond to their request to return the funds in good faith and that truist could not demand to receive. This entire time I was waiting on the " fraud department '' at Truist to investigate for me, their customer. Instead after a month and a half I was basically told that they have nothing to investigate without them responding and in order to get answers I would have to go the legal route. I was also told that they " had concluded their investigation '' I would not receive any money back if it was not recovered in an autogenerated letter dated XX/XX/year>. the very day I disputed the transactions in the branch. how was anything investigated the same day?
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRUIST FINANCIAL CORPORATION (NC)

Subject : Discrepancy in Rewards Travel Cancellation Process On XX/XX/2024, I used my Truist business credit card rewards to purchase XXXX XXXX  tickets. Unfortunately, I need to cancel my travel plans, so I contacted Truist Rewards Travel representatives on XX/XX/XXXX at XXXX XXXX. During my XXXX call, the representative informed me that while my reward points could not be returned, the full value of {$590.00} would be held as an airline credit, usable within XXXX year with a {$45.00} rebooking fee per ticket. I called back later that evening at XXXX XXXX  to confirm the details, receiving the same information. 

On XX/XX/XXXX, I contacted the rewards department again to officially cancel the tickets. This time, I was told by the representative that because my tickets were " basic economy, '' they could not be canceled or credited, which conflicted with what I was told the previous day. The supervisor, XXXX, reiterated this point but escalated the call to her superior, XXXX. Unfortunately, XXXX was extremely rude, interrupted me multiple times, and insisted there was no record of my prior calls to Truist. Despite my attempts to verify the call times and details, XXXX refused to assist further and only put me on hold to contact XXXX XXXX. 

The information on my receipt clearly states : " *If you need to cancel your tickets for any reason, you may do so on the account activity page on your rewards site or by calling XXXX by the end of the next business day. Please note a {$45.00} fee per ticket may be assessed. '' There is no mention of any restrictions for basic economy tickets in the cancellation policy, which is what I had been advised by representatives on XX/XX/XXXX. 

As a loyal Truist customer for over XXXX  years, I expect to receive the service and terms promised. I kindly request clarification and resolution of this matter, as I wish to be treated fairly in line with Truist 's written policies. 

Thank you for your attention to this matter.