davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: ALLY FINANCIAL INC. (AZ)

My account with Ally Auto was paid in full but they continue to report that the account was settled to credit bureaus. After months of figuring out what happened, in which I sent them additional payments multiple times to prove I was not trying to settle, they finally agreed that the account should reflect paid in full. I subsequently requested a letter to acknowledge that and prove that the account is not settled, which I attached.
Consumer complaint received 2024-09-16
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. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I sent your company a letter disputing account number XXXX & XXXX withXXXX XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the items had been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I need your help regarding this incorrect account appearing on my credit report. The issue has damaged my standing, and I depend on your assistance. Due to your mishandling, my reputation has suffered. These inaccuracies must be removed from my credit report immediately.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

We instructed TD branch representative XXXX XXXX to put my biological children XXXX and XXXX as beneficiaries on our savings account. We specified that we wanted their full legal birth names to be documented as beneficiaries with XX/XX/year> equal disbursement upon our death. XXXX XXXX refused to type my childrens legal birth names on the form. His reason as stated : because XXXX and XXXX are existing TD customers and it has to match the banks names. After we reluctantly signed the form, he refused to give us a copy of what we signed. We left the branch empty handed. We went to another branch a few days later to get a copy of the Personal Account Maintenance form XXXX XXXX created in the TD system. Upon reviewing the form, it appears XXXX XXXX placed our beneficiaries as legal account title owners which is not what we wanted. 
After our discovery of what XXXX XXXX did after we left the branch, we asked the XXXX XXXX XXXX about TD Banks policies for joint accounts. ( see attached items 1-5 ) XXXX XXXX did not provide this information to us before or after his actions. Instead, XXXX XXXX obtained our signatures by his own deceptive actions and willful negligence to make us consent to something we didnt ask for in the first place. Number 5 appears to be TDs assumption that they can self-appoint themselves as their own arbitrators and remove our rights to sue the bank in Court. 
Should the Bank receive any process, summons, order injunction, execution, distraint, levy, lien or notice ( hereinafter referred to as Process ) which in the Banks opinion affects this deposit, the Bank may, at its option and without liability thereupon, refuse to honor orders to pay or withdraw sums from this account and may either hold the balance herein until Process is disposed of to the Banks satisfaction or pay the balance to the source of Process. 
My husband and I do not relinquish our rights to sue TD Bank for : 1. TD Banks financial theft of our deposit 2. Financial damages as a result of TD permitting financial theft of our deposit by false process 3. Financial damages as a result of TDs imposed restrictions and abrogation of our marital contract. 4. Financial damages as a result of TDs withholding of funds from our family estate, successors entitled to receive as our beneficiaries 5. Financial damages due to TD Banks negligence, errors, mistakes, and OCC regulation violations as a foreign National Bank operating in the United States and in the State of New York. 

Arrange to have a TD Branch Manager immediately prepare a corrected Personal Account Maintenance form for us. The form must specify our children as beneficiaries, not account title holders. Their full legal birth names are as follows : XXXX XXXX XXXX 50 % and XXXX XXXX XXXX 50 % We also want to correct our legal names on the account to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as appropriate for a joint marital account.
Consumer complaint received 2024-09-16
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I since a request 2 years ago. 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. I demanded a deletion of all personal identifiable information from my consumer credit report, only to report what I want to be provided.
Consumer complaint received 2024-09-16
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  Balance {$25000.00}, XXXX XXXXXXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00XXXX XXXX XXXXXXXX balance {$9200.00}, XXXXXXXX XXXX balance {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.
Consumer complaint received 2024-10-05
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX XXXX sent a text from XXXX ( XXXX ) XXXX regarding my resume found on XXXX. The position was for a REMOTE Data XXXX XXXX role with a company Called XXXX XXXX XXXX In the text, was instructed to download an app called XXXX and input the code from text. I followed the directions and was connected to XXXX XXXX. After a series of questions, I was informed of hire and the job offer, XXXX, XXXX, and Code of Conduct acknowledgement would be emailed to me for completion. I was told to check-in tomorrow at XXXX. I followed the instructions and the next day I was brief on how to mobile deposit a emailed check into my bank account. The funds were to be used for equipment needed for job. I followed the details and was informed to check-in tomorrow at XXXX. Upon check-in, I was asked for a status on funds. I informed him that only a portion of the funds were made available ( {$2500.00} of the {$4700.00} ). He instructed me to transfer or load {$2000.00} into XXXX. I immediately contacted the bank XXXX XXXX XXXX, who advised the funds haven't cleared the account and it's possibly was a fraudulen/counterfeit transaction. I messaged him a decline to utilize the funds before it cleared. The next day the available portion of the mobile deposit was no longer displayed. I contacted XXXX from the XXXX department, who informed me of the mobile deposit was being returned as counterfeit. I was instructed to close account due to it being compromised. This company now possesses my bank account information, address, email account, phone number, social security number, and signature.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (TX)

I contacted Marcus by Goldman Sachs in XXXX to dispute fraudulent charges and close the account card. Balance was paid, I was not told there would be any additional fees. Received email for an XXXX statement reflecting balance {$74.00} due XX/XX/year>. I went online to see what this could be since XX/XX/XXXX I closed and paid this acct off. This is a late fee with interest on the late fee. I contacted the XXXX XXXX XXXX  at XXXX. They tell me there will still be " residual '' interest even if I pay in full the {$74.00}. How can you ever get the card paid off if they keep adding interest to a {$0.00} balance card? This is wrong and they need to be closed down!!
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is a follow up on complaint number - ( XXXX ) the company closed the complaint the next day. Stating -This complaint lists someone the company does not recognize as their customer or their customers authorized representative. If they dont recognize me as a customer or representative of the account .. then why is the account on my consumer report? 
It has come to my attention that I was never provided with an opt-out option regarding this account. According to my rights under the law, I hereby demand the immediate removal of this account, not as a matter of policy but as a matter of legal obligation. 
It is important to note that there is no law that mandates the permanent inclusion of an account on a consumer report once the consumer has requested its removal or the removal of their private information. Failure to comply with this request will leave me with no alternative but to pursue legal action against XXXX XXXX XXXX. 
I wish to emphasize that my intention is not to cause financial harm to any party, but rather to seek a fair resolution in line with the law. XXXX XXXX XXXX, with an annual revenue of XXXX XXXX dollars, must be held accountable for its reporting accuracy. As previously mentioned, the absence of a legal requirement for an account to remain on a consumer report post a removal request places the onus on XXXX XXXX XXXX to address this matter promptly and professionally. I hope that we can resolve this situation amicably without resorting to legal action. 
I anticipate your prompt attention to this request and the subsequent removal of the inaccurate account from my consumer report. I kindly request that you acknowledge this communication at your earliest convenience.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2017-03-25
Product: Other financial service — Credit repair
Issue: Unexpected/Other fees — 
Company: Bread Financial Holdings, Inc. (IN)

Got a bill on an account I never knew I had for {$130.00} from PAYPAL CREDIT. Used it 4 years ago and was never informed before using it online with XXXX that would be additional charges. Used it a few times and never got any info from them until now!
Consumer complaint received 2024-10-04
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-21
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I want to remove these names and addresses. These names do not belong to me and the addresses I've never lived at these places listed. 

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 VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a good banker with Bank of America ; I initially got the account during my earlier year of college. Due to my naiveness and trying to be a good friend, I was scammed into depositing a check into my account by a friend, only to find out that the check was fraud. My friend had just migrated from the XXXX so of course they did not have a bank account but they were working, so I believed them when they said the check was from work. I was genuinely surprised to find my bank account closed due to fraud. I have pleaded with Bank of America about this issue but got no help or pardon. I am a hard-working female who is making a honest living, I have no reason to scam a bank nor do I have any knowledge of how to do this, I honestly thought I was helping a friend out. Because of this error, I can no longer open an account with other legit banks. I really need your help as I was a victim of scam activity, with no clue at the time. Please help me if you can!!!
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX