davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-04-24
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. (FL)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

This company failed to resolve my complaint submitted on XX/XX/XXXX in the same fashion as my husband which was also affected by this involuntary conversion from a fee-free account at XXXX to Citizens. I requested all the fees be refunded and this account closed with a check sent to the address provided. My husband requested this and received it in XX/XX/XXXX. I got different treatment however where the representative refunded my fees accumulated so far, but DID NOT reach out to me as claimed by e-mail ( it looks like they transcribed my address wrong - it's XXXX, not XXXX, a really obvious and sloppy error ) and kept my account open against my wishes. I have never encountered a bank refusing to close my account and send me a check for the balance. They did this deliberately to keep charging me the fee and added another frivilous fee for statements WHICH I ALSO DID NOT REQUEST. I have tried contacting this representative by phone but it always go to voicemail. The number they provide to call for general customer service has NO WAY to exit from the automated phone tree and talk to a live agent. This is the worst bank.
Consumer complaint received 2024-04-24
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 am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission and also filed a Police Report on my local police department. Additionally, I have reached out to the bank associated with the fraudulent account. 

XXXX XXXX. 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (WA)

I bought a XXXX XXXX in XXXX of 2022 from XXXX of XXXX. I got financing through Ally Financial. I got behind on payments after I XXXX XXXX XXXX last summer. The front end of the car was relaced. Insurance paid for the repairs. But I lost out on work and it snowballed. I called ally financial to ask for a hardship help when I first got behind. I was told they don't offer any hardship help. I had made arrangements to pay what I could to keep from Repossession. When I went to pay I realized they locked me out of my ability to pay through my bank. I have had no problem paying through my bank before, it's a good standing account. I called Ally financial and they " moved '' my account and said I had to pay through XXXX XXXX or XXXX XXXX to a separate ally financial account that's not attached to me in any way. I requested they restore my ability to pay through my bank because I can not use XXXX XXXX  or XXXX XXXX I offered to make arrangements to surrender the car and I was told I can not and to wait for Repossession. They repossessed the car on XX/XX/XXXX at XXXX XXXX. The repo agents did not have any paperwork for me either. I don't think I was treated fairly in this matter. I was barred from being able to pay through my banking institution, and was told I couldn't surrender the vehicle. Nowhere in my contract does it state they can change the way I pay my loan.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child support XXXX : # XXXX Child support XXXX  : # XXXX Child support XXXX  : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am writing to express my dissatisfaction and frustration with the unresolved matter concerning a debt owed to National Credit Systems Inc. 

Despite repeated attempts to resolve this issue, I have encountered significant obstacles in obtaining proof of ownership of the debt in question. Despite making a payment towards the debt, National Credit Systems Inc. continues to assert that I owe them without providing adequate documentation or verification. 

This situation has caused undue stress and financial strain, as I have made efforts to fulfill my obligations only to face persistent demands from your company without proper justification. 

The lack of transparency and failure to provide evidence of ownership of the debt is unacceptable and has tarnished my experience with your organization. I urge National Credit Systems Inc. to promptly address this matter, provide the necessary documentation to validate the debt and cease any further attempts to collect without proper verification. 

I expect a timely and satisfactory resolution to this issue to prevent any further escalation of the matter.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (OH)

XXXX and Experian have not provided any information on my Claim the law clearly states within 4 days. Thats a violation. 15 USC 1681. I also did not give permission by writing for the CRA to report on my Consumer Reports 15 USC 1602
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be corrected. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections from my personal file. Hence, I am asking for your help to correct the account : XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I didnt authorize no hard pull of my credit from the following companies. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-30
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. (MI)

On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 45 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 45 days so they should be deleted immediately. 

I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. 

The evidence will be attached below.
Consumer complaint received 2024-04-24
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
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
Consumer complaint received 2024-04-24
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)

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00}
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc. (TX)

I recently used Sezzle to buy a couple of items for XXXX. I have used the buy in XXXX payments services before and they help when you are short of cash. I also know that they are very sneaky about getting paid back. I provided them with my bank account number to withdraw all payments when I set up the account in the beginning. I added a credit/debit card to the account to make the actual purchase instore for the items, essentially making the first payment using my debit card. When you go to add your card to your account for purchasing, it makes the distinction between a card to purchase things or to make payments on the account. Again I left my bank account as the way to pay off the purchase. After the XXXX of the year I have fallen upon some very rough financial problems and I'm having a hard time making ends meet and have in fact become homeless. I knew that I had the payments to make to Sezzle and that they had come due and time had gone past their due date. I did not have the funds available in my bank account to cover the items which amounted to {$79.00} with their late fees. The payment was due on XX/XX/XXXX. On XX/XX/XXXX, after working for a friend, he deposited {$120.00} in my bank account late at night while I was asleep. Upon waking up and looking at my phone and my account, I noticed XXXX charges had been made on my debit card from Sezzle, the first was for {$22.00} and the second was for {$57.00}. I immediately called Sezzle to ask why they had withdrawn that money from my debit card. I explained my situation and let them know that was my money for food and shelter for the weekend and also told them that they did not have permission to take anything off of my debit card, only my bank account which is at a totally different banking institution. They said they needed their payment and that it was unfortunate that it happened but there was nothing they could do. I begged them to return the funds, they refused. The told me that it was already processing and there was absolutely nothing they could do on their end. I told them I would go to my card issuer and dispute the charges, and they encouraged me to do so. I have since gone to XXXX, the card issuer and disputed the charges, but they have yet to return any money. My problem here is I know I owe them money, I have a bank account set up for that purpose. The debit card was added, and I repeat here for purchasing only, not for paying the bill as it says so on their app. If that card is for purchasing only then they have no right or business charging it. It's flat out deception and wrong.
Consumer complaint received 2023-03-23
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. (MS)

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Experian is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2019. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Future Judgement Solutions (UT)

This company, FJS Global is using threatening language, stating they will garnish my income and put a lien on my vehicle. They are violating the FDCPA rules not stating they are a debt collector. The voicemail provided lets you hear how they threaten me. They also never provided me with information regarding the debt I owed. They sent it to the wrong address. When I tried calling and talking to them XXXX was horribly rude, she talked over me and wouldn't listen to me. I've requested they stop calling me but they won't.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (NV)

I was defrauded in XXXX of 2020 and the culprit had also opened many accounts and hacked into my PayPal account to get their credit card. He then had used this card to make purchases in XXXX and I closed down the card and synchrony keeps trying to send me bills. I did not authorize any of these charges. 

https : XXXX
Consumer complaint received 2024-04-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
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: EQUIFAX, INC. (NJ)

Dear XXXX XXXX XXXX, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that XXXX XXXX XXXX is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.
Consumer complaint received 2019-11-13
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: CITIBANK, N.A. (IL)

I ordered a TV from XXXX using my Citi card on XX/XX/19. I attempted to cancel the TV less than 12 hours later on XX/XX/19. The total cost from XXXX was {$390.00}. 

I was told that there would possibly be a 15 % pre tax restocking fee if the TV had already shipped. It had not because I canceled less than 12 hours later. 

The most I expected to pay was 15 % of {$390.00} pre tax but did not even want to pay that. I ended up not even receiving the TV delivery and was charged the full price for the TV - {$390.00}. 

I disputed and redisputed this with Citi bank and they denied me. So now I have an outstanding balance of {$390.00}
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (NV)

XXXX XXXXXXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. 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 All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.