davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MI)

Paid debt from XXXX at XXXX XXXX to XXXX XXXX XXXX but the XXXX at XXXX XXXX  sold it to XXXX as well on top and they are trying to collect for a duplicate debt. 

The debt was for {$85.00}. 

XXXX at XXXX XXXX in XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MN)

The credit card company I have had my card with for at least 25 years just all of a sudden shut down my account, when I asked why they said there was a new law in XXXX that I needed to supply them with my original EIN letter from the Federal government when I opened my business ( the card is in my business and personal name ) My company was open a little more than 30 years ago and I do not have that EIN letter, and in addition I split my company into two standalone business since then so now I have two different EIN numbers. I talked to them, and they said there is nothing they can do and I should just apply for a new card, which I am fine doing, but then I asked them that I would like to redeem my points which were around XXXX points with a value of about {$1400.00}, and they said the card is closed and I can not redeem them. I did nothing wrong and either the law changed, or their internal requirements changed and then they just close my account without me knowing and basically steal my points and I can not do nothing about it and it is very frustrating. I asked to talk to a manager, and they said the manger can do nothing about it.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (NY)

Mercedes Benz lease was a corporate lease that ended in XXXX. 

A late payment was reported due to no fault of my own since they lease was paid by the company and not by me personally. This late payment is XXXX XXXX XXXX and dates back to XX/XX/XXXX. It must be removed since it is impacting my credit score. 

The lease balance outstanding was not charged to the lessor, the company that initiated the lease but was charged to me when the vehicle was a XXXX XXXX all electric vehicle with a lot of engineering issues and had to be flatbed to the nearest dealership each time. The break down incidents happen frequently and averaged 6 times per month. Thus, the vehicle was discontinued in XXXX and when the lease was returned in XXXX, the vehicle was scraped since it was discontinued and not sold due to frequent mechanical failures. 

I should not be charged the lease balance resulting in excess milages due to mechanical malfunctions since I was not the lessee. Please remove such balance fron my credit report. It is wrong.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

A wire was sent from XXXX XXXX to a fraudulent account at Truist Bank. It appears from Truist that recoverable funds remain in the fraudulent account. To date we have requested ALL funds be returned to our XXXX XXXX account. Also, we have no response from Truist expect they admitted the account was suspicious and the account in frozen.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (NC)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK ()

OUR JOINT ACCOUNT WAS FROZEN. I WAS TOLD BECAUSE WE ARE MARRIED, THEY CAN TAKE ALL THE MONEY IN OUR AJOINT ACOUND. I DID NOT RECIEVE ANY PAPERWORK TO EXPLAIN WHY OUR MONEY WAS FROZEN IN SEPERTE AMOUNTS. I CALLED THE BANK TO FIND OUT WHAT HAPPENED. I HAD TO DO ALL THE REACHING OUT TO FIND OUT WHY I COULD NOT USE MY SOCIAL SECURITY FUNDS. I WAS TOLD THEY HAD THE RIGHT TO KLEEP ME FROM MY SOCIAL SECURITY FUNDS. UNTILL THE MATTER WAS RESOLVED I WOULD NOT HAVE ANY ACESS TO MY SOCIAL SECURITY MONEY TO BUY MY FOOD AND PAY MY RENT.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

My account I had in XXXX in XXXXXXXX XXXX  Wells Fargo XXXX as money was being removed from my account without my permission ; I was charged additional fees and signed up for services I wasnt aware of. 
This may pertain to the recent Wells Fargo investigation.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-03-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (FL)

I issue a dispute to equifax regarding XXXX account. This account doesnt belong to me. Ive tagged a photo showing the account was removed, if this account was removed and is all of a sudden reappearing on my account thats reinsertion! I received no notice or notification of reinsertion. Thats a violation Im asking for a removal of this account from my credit indefinitely. XXXX and XXXX have followed suit and removed account why XXXX is still showing it Im not sure
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Service International Corp (WI)

Hello, This company has Re-posted the same debt multiple times. I contacted them multiple Times to verify the debt and they have not. The company also will not return calls I made. The debt for the accounts listed were settled several years ago and they continue to repost the account. The amount on the debt listed also keeps changing.
Consumer complaint received 2022-03-12
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. (FL)

3rd Request!! The following accounts do not belong to me I have sent multiple FTC reports Ive sent multiple dispute letters and they all keep coming back verify and I am not understanding how they are being verified no one showing me any proof Ive never done business with any of the following companies please investigate this properly because its fraudulent and per the FCRA if I stay as the consumer that its fraudulent the information should be blocked from my report. The following accounts 1. XXXX XXXX {$6500.00} 2. XXXX XXXX XXXX XXXX$750.00} 3.XXXX XXXX XXXX$600.00} Please see attached FTC report and identification
Consumer complaint received 2022-02-17
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: SELECT PORTFOLIO SERVICING, INC. (GA)

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX SPS PORFOLIO, XXXX  XXXX, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX  IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Consumer complaint received 2022-02-17
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. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (NC)

I began to receive emails from XXXX XXXX at True Accord working on behalf of XXXX XXXX XXXX. The first email was in XXXX 2022 and I received another on XX/XX/2022. The mail states that I owe {$1900.00} XXXX XXXX ( XXXX XXXX ). I have not 5aken any action because this can not be legit. I've never have any services with XXXX or XXXX XXXX. I've never even heard of this company. This companies location are in New York and New Jersey. I reside no where near those locations.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

This is in regards to Simmons Bank highjacking my XXXX. I made this money trading XXXX XXXX XXXX it also came from an inheritance in regards to XXXX XXXX XXXX. I have complained to the Arkansas AG, The XXXX XXXX XXXXXXXX, XXXX and the XXXX XXXX XXXX in XXXX XXXX who forwarded it to some supervisory authority. I suppose it is okay to steal billions of dollars in this country if you are a bank and leave me with XXXX per month in SSI? I have revoked the XXXX, XXXX, XXXX XXXX  and sent notification via certified mail to all concerned. They will tell you they owe me nothing. Do a full text search at XXXX You will find the XXXX XXXX along others, that's my money. I need help from somebody in regards to this matter.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, XXXX, and Transunion. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NY)

Forster and Garbus is going after me as retaliation for being named in a CFPB lawsuit in actions from 2018 and 2023 based on my statements to a CFPB rep.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (PA)

I pulled my credit today to find out what there as negotiable items in my reports and found out that the debt being reported that I did not incur. The first it looks like is for a cell phone or something at sprint for almost {$2000.00} and is now charged off to a collections. There is also a California address associated with the account that is reporting as a bisnuess but most definitely not mine and I have never even been to this area. Also when this account t was opened I was in intensive care on total life support in XXXX Pa. So needless to say that it would have been literally impossible for me to have opens this account. The second fraudulent piece of debt is also fro. 2019 and seems to be for a medical service. Although I was sick at this period in my life, I had medical insurance and was admitted to the hotspot for a very long ti r and they had submitted all of my info to my insurance and they had covered all of it. So this bill for {$100.00} is either a mistake or someone getting radiology service under my name, but I did not see any radiology in the fall of 2019. XXXX is all of the information that is I sorted t including t the address of the business associated with the sprint debt and a peculiar XXXX address that I have never been as XXXX users with. 
I also have my spouses credit card negitivly impacting my credit report and I am not responsible for that debt and have never agreed to it.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and

properly remove these fraudulent accounts. Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.! Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX  Closed account XXXX Charged off XXXX XXXX Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you. 

I have provided the companies with the FTC report. The XXXX XXXX XXXX XXXX reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense XXXX? 
I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank you