davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-16
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-31
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was contacted by Bank of America who I have a credit card with, with suspicious activities on XX/XX/XXXX, while I was sleeping at my home. I informed them I have the credit card with me and it was in my wallet. I let them know I am not the one who purchased on XX/XX/XXXX and I am not trying to make any purchases in that particular store. I let them know I am not in that part of the area that the purchases were made. 
Initially I was issued a credit for the charges made on XX/XX/XXXX, but latter I was informed I will be responsible for the charges. The bank is not helping to resolve the issue, is not doing the investigation on their end before they ask me to pay this amount, which is {$2800.00}. 
I need help on this matter. I have contacted all the credit reporting agencies to inform my identity has been stolen. 

Below is the message I received on the date I informed them it was not me. 

Bank of America Cash Rewards Visa Signat ending in XXXX XXXX XXXX, We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 
Do you recognize all of these transaction ( s )? 
Declined transaction at XXXX XXXX # XXXX for {$2900.00} on XX/XX/XXXX Approved transaction at XXXX XXXX # XXXX for {$2800.00} on XX/XX/XXXX I have been also contacted by CHASE that a credit card has been opened in my name and charges were tried on it. after they investigated I was sent a letter that it was not my charges and the account has been determined it was not mine. 
I have also included the documents to show I have contacted the credit reporting agencies.
Consumer complaint received 2024-05-29
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CA)

On XX/XX/year> I opened a Fraud claim to my bank for some transactions made in XXXX I noticed fraud on my account for transactions made with my XXXX debit card XXXX, I noticed this on XX/XX/XXXX and I proceed to lock the card at the same moment through the online banking. The total amount for the claim was {$65000.00} On XX/XX/year> the bank sent me a letter saying that they cant process the fraud claim saying that my card was present. 
This was fraud due " card lost '' so its impossible that the transaction were authorized using the pin. Also I never set up a travel alert to XXXX on the app or calling the bank. 
The bank didnt follow the rules for the transfer act and regulation E and Z.
Consumer complaint received 2024-08-16
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. (OH)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-25
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA (FL)

I am writing to submit a XXXX XXXX XXXX XXXX application regarding the XXXX XXXX loans I obtained to finance my education at XXXX XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at tXXXX XXXX XXXXXXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. XXXX XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX  XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting Program Value : XXXX XXXX  XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant XXXX XXXX  debt to finance my education. In my first year, they advised I would need additional funding and that I could not get any additional federal funding until the following year. I had to go through a company called XXXX XXXX XXXX ( which later got bought out by American Education Services ) for additional funding which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of XXXXe XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans, had to file for XXXX XXXX bankruptcy in XXXX just after graduation, was delayed for almost XXXX years to be able to purchase a home, and on top of that, I could not land a job in my field of study that could even remotely support these high payback amounts. In XXXX years of payments, the principle balance has only gone down {$6000.00}.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Response to an insufficient validation you sent to me.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I already asked that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.6. ( Thepurchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumer that a person other than the creditor of suchconsumeris participating in the collection of or in an attempt to collect a debt suchconsumer allegedly owes such creditor when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof.

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek lMonetary compensation damages for the violations you already committed.
Consumer complaint received 2024-07-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

I made a purchase online for a virtual Business card through a company called XXXX for XXXX. Affirm was offered at the checkout as a payment option and after a credit check I was approved. XXXX sends you a physical business card they people can scan with they're phone to see your virtual information. I made the order on XX/XX/year> and was supposed to receive it by XX/XX/year>. I contacted XXXX on XX/XX/year> and requested a refund because the tracking information from XXXX showed that the order was never shipped out and it also did not arrive. XXXX said they would not issue a refund unless I returned the original product that I never received. After threatening to file a dispute XXXX said they mailed out another XXXX Bundle. As of XX/XX/year> I have never received THE XXXX Bundle or any XXXX product and want a full refund as the product was never received in the mail. 

XXXX XXXX number 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
Consumer complaint received 2021-11-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prime Recovery LLC (FL)

LOAN THROUGH SIMPLE FAST LOANS THEY WERE SENT CEASE AND DESIST, I HAVE ATTACHED EMAIL. 
ON XXXX XXXX OR BEFORE, MY MOTHER RECEIVED NOT ONE BY TWO TEXT MESSAGES FROM XXXX XXXX THE THIRD PARTY COLLECTION AGENCY FOR SIMPLE FAST LOANS. MY MOTHERS NUMBER XXXX WAS NEVER PROVIDED TO EITHER SIMPLE FAST LOANS OR PRIME RECOVERY. THE HAVE VIOLATED THE CFPB. THEY NEVER HAD PERMISSION TO CONTACT ANYONE OTHER THAN ME. IN FACT THE ORIGINAL CREDITOR WAS SENT A CEASE AND DESIST WHICH HAS NOW ALSO BEEN VIOLATED. THEY ALSO REACHED OUT TO MY SISTER AT XXXX DURING THE MONTH OF XXXX OR XXXX. AT THIS TIME I CALLED THE COMPANY AND ADVISED THEY COULD NOT CONTACT ANYONE BY ME BY PHONE AND ALS ADVISED CEASE AND DESIST HAD BEEN SENT.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 2024-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP (WI)

XX/XX/XXXX I went to the bank to pay off my balance and close my checking and savings accounts. I paid the overdrawn balance. The bank said my accounts were closed. Did not mention turning in my debit card, I destroyed it myself. 

XX/XX/XXXX I placed a door dash order. It had been over a year since I used this service and the card on file was an expired card from the bank I had closed the account. Not a subscription purchase. Transaction went through. I was not expecting it to go through and thought the purchase would be denied so I could enter my new payment method. 

XX/XX/XXXX I received an email from the bank saying my account was overdrawn. I called the bank and they explained that when I paid off the balance on XX/XX/XXXX they did not include the {$35.00} overdraft fee. This fee reopened my account. The one time purchase on the debit card also went through, over drawing the account. In addition to a subscription audible purchase. When I closed the account on XX/XX/XXXX there was no discussion or warning about subscription purchases reopening the account. I paid off the balance. 

XX/XX/XXXX I received a new statement balance. {$9.00} service fee reopened my checking account and now its overdrawn.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (TX)

These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) FRANKLIN SERVICE INCXXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2024-06-26
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. (AZ)

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to ensure everything was reporting 100 % correct and accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below? Following 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. 

XXXX  XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX Investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report.
Consumer complaint received 2024-06-26
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (MI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.