davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-12-22
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. (TX)

Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-05
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. (AE)

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally opting out of all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX XXXX XXXX written, unwritten, verbal and nonverbal per 15 usc 6802. For Account : XXXX and for Account XXXX, XXXX XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs ( Credit Reporting Agencies ) to which they have not provided documentary proof the CRAs are affiliated with the bank in any way to require my non-public information be sent to them without my authorization. Lack of authorization from me the consumer XXXX XXXX XXXX is a violation of my federally protected rights. According to their privacy policy it states as part of everyday business purposes as the consumer I can not limit sharing. If this is the case, why is 15 usc 6802 in place? The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXX XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Consumer complaint received 2024-02-05
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-18
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. (CA)

Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and I XXXX that XXXX XXXX reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX XXXX XXXX  didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX XXXX to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.
Consumer complaint received 2023-09-04
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: AMERICAN EXPRESS COMPANY (TX)

Please see attached documentation regarding American Express account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified American Express continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.
Consumer complaint received 2024-06-06
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: P&B Capital Group, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (KY)

On XX/XX/XXXX I was called 4 different times from this company ally bank, 2 of the calls were within an hour and a half of each other. I've gotten multiple calls late at night. 
From XX/XX/XXXX to XX/XX/XXXX I've been called at least 14 times. I will attach a screenshot of the calls received.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hunt & Henriques (CA)

XXXX XXXX XXXX, through their Attorneys Hunt and Henriques, filed a complaint with the XXXX XXXX XXXX for judgment on a credit card debt. I repeatedly informed XXXX XXXX that I was a victim of identity theft. A report was filed with the XXXX XXXX XXXX Sheriff 's Department. The court granted a notice of default in XXXX XXXXXXXX XXXX favor on XX/XX/XXXX. On XX/XX/XXXX, the court granted my motion to reopen the proceedings due to improper service. The court then granted my motion to dismiss, set- aside, and vacate the XX/XX/XXXX default and any writ of possession/execution. XXXX XXXX, through their Attorneys, filed a writ of execution and Levy on XX/XX/XXXX. The writ improperly referenced the default order date of XX/XX/XXXX. XXXX XXXX and their attorneys misrepresented a material fact by alleging a default date that was vacated by the court on XX/XX/XXXX. As a result of their conduct, the sheriff 's department executed a Levy for {$3700.00}, which has been deducted from my Savings account.
Consumer complaint received 2023-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Various accounts on my credit report have been showing inaccurate information. Thus causing very detrimental financial hardship by affecting my credit score and credibility. I have provided the bureau with account numbers and exact discrepancies within the account and have not received a probable resolution.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XX/XX/XXXX
Consumer complaint received 2023-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Sirs, 1. The documentation below is to investigate and dispute the unsolicited opening of an equity line of credit, under my name, without my knowledge, my consent, nor my signature, on two different occasions ( as reflected in the credit report ).

2. I recently discovered this fraud by accident through the Credit Report agencies, as the bank consistently denied to explain and disclose the origin of such equity line of credit including arbitrary charges. The bank also provided contradictory answers that are meritless and inconsistent with Truists own account holder portal.

3. The bank as of today is still failing to produce proper, legal, and compliant documentation despite stating that they are in possession of it and that it would share it with me on the spot. This was back in XX/XX/XXXX, other attempts in XX/XX/XXXX, followed by additional attempts on XX/XX/XXXX and again, on XX/XX/XXXX, and again on XX/XX/XXXX. 

4. After nearly 7 months and multiple calls and in-person visits to the bank to gather the proper documentation and make sense of the situation, not much came to light other than Truists customers representative admitting that he himself could not explain this irregular opening of the account, and could not pinpoint either why the fees were originated as the account ( # XXXX ) was officially closed and kept a XXXX  balance since XXXX. 

5. Another compelling fact is that the back never provided a sensible explanation as to why anyone would open a credit line for US {$25000.00} and never withdrew any money against those funds. Such left me with no other option than to close out my checking account ( the only existing active account ) to prevent Truist from further damaging my credit score, which from a stellar average maintained for over three decades, I saw it fell out of the blue more than XXXX points. 

6. In addition to this uncomfortable situation my normal personal and work life were affected ( the same with my husband ). In this context, I was forced to miss work, driving several times to the bank office. Furthermore, even when having scheduled meetings, we were denied service. I spent countless hours looking for anything that might not look familiar or out of the ordinary, to no avail until a potentially negative event came to the surface, triggered by some overdue charges I had no knowledge about until then.

7. And thats not all. In order to close the accounts, I had to satisfy all fees charged to my checking account ( ending in # XXXX ), which amounted to approx. US {$120.00}. This is unacceptable and unfair.

8. I have included my husband due to this is a joint account and were both affected by this situation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/24 I noticed a withdrawal of {$360.00} from our checking account. The charge originated from XXXXXXXX XXXX in XXXX, OH. We immediately called the bank and they placed a stop payment on the charge. We then received an email message stating that the fraudsters attempted another {$240.00} withdrawals from XXXX XXXX in XXXX, OH. Ally bank stopped that transaction/withdrawal but is still holding us responsible for the first {$360.00} withdrawal that we did not make or authorize.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Patient Accounting Service Center (CA)

I received a letter dated XX/XX/XXXX from ARSTRAT  regarding an attempt to collect a debt of {$120.00} fromXXXX XXXXXXXX, ARSTRAT reference number XXXX. I sent my dispute of these claims on XXXX via certified letter usps tracking # XXXX. Which ARSTRAT received on XX/XX/XXXX. I received a second debt collection letter from ARSTRAT regarding the same reference number XXXX now in the amount of XXXX. Neither debt is correct and I have already explained all the details of XXXX XXXX failure to manage my account correctly in the letter I sent via certified letter on XX/XX/XXXX.
Consumer complaint received 2024-02-05
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-05
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. (MD)

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 is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (VT)

I was part of an promotional plan that would end XX/XX/XXXX. My XX/XX/XXXX statement said that XXXX was due by XX/XX/XXXX to avoid assessed interest. On my XX/XX/XXXX statement it is clearly listed that I paid XXXX on XX/XX/XXXX. My XXXX statement also indicates that I owe XXXX by XX/XX/XXXX to avoid assessed interest. For a few months I thought this was an error and it would be corrected. It has not. I started calling in the summer of XXXX and have called at least 6 times since then and I have used their message option on their website. I am promised that it will get rectified and they have even credited me back the interest that they have charged me but no one will look into why I am being charged. I pay my statement off in full every month. I have been told that you can't work with one person and they will not call you. They sent my issue to the complaint dept and I was awarded {$2.00}. I dont know where they came up with that or why. I feel like a XXXX. 
I can't just stop using the card because of the accruing interest. It has been almost a year now.
Consumer complaint received 2024-02-05
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. (AK)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Per 15 USC 1681a ( 2 ) ( A ) ( 1 ) reporting transaction history is ILLEGAL. 12 CFR 1022.3 defines IDENTITY THEFT as a fraud committed or attempted using the identifying information of another person without authority. 15 USC 1681o is civil liability for non compliance. I never received a 30 day opt out notice per 12 CFR 1016.7. Nor was I given reasonable opportunity to opt out per 12 CFR 1022.24. I am requesting XXXX, EQUIFAX and XXXX to provide documentation used to determine reporting transactional history was authorized by me the federally protected consumer signed with a wet ink signature. XXXX, EQUIFAX and XXXX have 15 days provide me with name of person spoken to, documentation used and any proof of reporting authorization. This information is being reported and used fraudulently as I have not given authorization or permission to use it especially my non public personal information.
Consumer complaint received 2024-02-05
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. (NJ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
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. (HI)

This is not my account, and I do not give permission for this company to report information on my credit report on an account that is not mine. I did no business and neither paid for nor financed any product or service from this company. reporting errors on my Equifax credit report is a violation of my consumer rights under the US Consumer law, the FCRA, FDCPA also reporting Charge Offs more consecutive months re-aging a debt is against the Law and this account should be removed and deleted from my Credit Report immediately. My credit report should be 100 % accurate according to the law and this account show many factual errors
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-08-09
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: Grain Technology, Inc. (FL)

I have attempted to contact Grain Technology INC on multiple occasions. This company provided me with a product that was basically a secured card. I had a secured deposit at the beginning of the relationship and everything was managed withing a mobile app. 

Their app became unusable and I was unable to login and view my account and make payments for my liability. This caused an issue with my credit report and drastically impacted my score with late payments. 

They have kept my deposit and no liability is outstanding with their company and myself. The only problem is that I was not late because of my actions, it was due to a technology failure.