davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

As a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. Pursuant to 15 USC 1681a ( k ), XXXX violated federal law by denying my credit application. XXXX is in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. 15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 USC 1691 ( 3 ) I exercised my right to credit. 15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me? 15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me. 15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card. 15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Lastly, Federal Reserve Act Section 16 ( 12 U.S. Code 412 - Application for notes ; collateral required ) 2. Application for notes by Federal Reserve banks. I am aware that my application is a promissory note which turns into cash or in banking terms floating rate notes that your bank sell and trade on pursuant to 12 u.s.c 1813L ( 1 ). My application is also a security pursuant to 31 cfr 357.2, 15 u.s.c 78c ( a ) ( 10 ) which should also be the collateral for the amount of the credit card pursuant to 7 cfr 4279.202 the security belongs to me the holder in due course since I issued it. At this point XXXX is stealing my security which is securities fraud pursuant to 17 cfr 240.10b-5, and breach of fiduciary duties pursuant to 17 cfr 205.2.
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to check my report and I see all these hard inquiries on my 3 credit bureaus that was not me that is not link to any account demand removed from my report
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

The credit bureaus XXXX, Equifax, and XXXX continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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. (NC)

I mailed SEVERAL letters to resolve the FOLLOWING ISSUES to ALL CREDIT BUREAUS. All bureaus FAILED to resolve these issues. 



*Reporting the wrong information my EXACT NAME & ADDRESS that appears on my driver 's license. any other names and address are non-mailable & or do Not exist. 

* Reporting Employer information that i Clearly wrote a letter to inform that i DO NOT want my employment information exposed on my credit reports. Credit Bureaus still have it exposed. 

* Reporting over 100 inaccurate discrepancies ALL OVER MY REPORTS. ALL Credit Scores are different. ALL Balances and overpayments or different. 

*Reporting Student Loans information without mu knowledge and consent. Violating the Family Educational Act *Reporting 2 Bankruptcies that i have a letter from the XXXX Court House stating that they DID NOT give ANY BUREAUS consent, nor did I GAVE any Consent or no knowledge or sign any consent from Bankruptcy to report on my reports. VIOLATING LAWS AND MY RIGHTS AS A CONSUMER *Reporting 4 charge offs that violate laws. These companies knowingly and willingly report charge offs that HAD BEEN PAID AND DO NOT EXSIST according to the laws i attached below. 



THIS HAS CAUSED ME TO BECOME DEPRESSED STRESSED LOST MONEY HIGH INTREST RATES THAT IS NOT NECESSARY. I CAN NOT GET ANY TYPE OF REMEDY TO PUSH FORWARD IN LIFE. IT HAS NOT BEEN FAIR TO ME AND MY FAMILY. AND AGAIN, VIOLATING LAWS AND MY RIGHTS! 



I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore exists.

I ATTACH A NOTE ON THE LAWS THA ARE BEING VIOLATED.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. (MN)

Is had a positive XXXX screen, But I don't understand why. I have not done drugs. This is an accurate. They also said I had XXXX XXXX XXXX. When to the emergency room. They told me I was just having an XXXX tech. Now let 's say I have a positive drug screen for XXXX. I do not use XXXX nor have I ever consumed it. I would like to dispute the drug screen.
Consumer complaint received 2024-05-23
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. (NC)

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report information but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT XXXX XXXXXXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any ITEM in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : Experian 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 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 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NJ)

On or about XXXX my business e-mail XXXX is compromised and e-mails are generated from this address to my XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

A fraudulent account is set up using my social security number, name, at Truist Bank. 

On or about XXXX a wire is initiated from my XXXX account to the fraudulently created account at Truist Bank in my name. 

XXXX We discover the fraud and file complaints with XXXX and an XXXX Compliant with the FBI. 

XXXX handles the claim, but Truist Bank refuses to properly return funds left in the Truist account. 

Approximately {$2500.00} of the stolen funds remains ( most of funds were withdrawn by criminals ) in the Truist Bank account and after numerous calls Truist advised they are keeping the Funds, without any justification and refuse further discussion.
Consumer complaint received 2023-05-05
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. (LA)

Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account opened and past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion account is not showing with XXXX at all and XXXX shows open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history XXXX open past due XXXX which has a balance of XXXX this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 updated XX/XX/XXXX XXXX shows no account at all TransUnion Showing a past due balance on a XX/XX/XXXX as XXXX with XXXX and the balance with TransUnion this is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 I am Also attaching the inconsistencies in the payment history All three were updated as of XXXX and XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE XXXX TO SEEK DAMAGES UP TO XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I tried to use my card on XX/XX/XXXX in XXXX XXXX for about {$11.00} and Bank of America blocked my card. Unfortunately, being in rural XXXX XXXX, I was not able to immediately call and try to authorize the charge. When I was able to get to a place with cell phone reception, I called Bank of America and they refused to unblock my card unless I came into a financial center. This is not possible as I am in XXXX XXXX and they do not have centers in XXXX XXXX. I am not able to return to the US until XX/XX/XXXX. 

I alerted the agent to this problem and asked to speak to a supervisor and I was refused that request as well. I further explained that I had a balance on the card that needs to be paid, but that I can not do that as long as the card is blocked. The agent provided a phone number to an automated phone payment system, but I am not able to access that either as long as the card is blocked ( redirected back to the fraud center automatically ). A further chat with a new agent further confirmed that I have no way to make a payment on the card currently, but am liable for the payment and will receive fines and fees if I do not pay it.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MN)

I tried to fix the problem with Wells Fargo Bank but It got to the point where i just paid the credit card off fully and just closed the account and went to a different bank. But Wells Fargo bank stopped me from paying the other bills that i really needed to get to.
Consumer complaint received 2023-10-11
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: Credit Karma (FL)

Hi, i was reviewing my XXXX CREDIT REPORT # XXXX from XXXX and showed that CREDIT KARMA WITH ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRED MY CREDIT XXXX TIMES SINCE XX/XX/XXXX. the inquired on 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 XXXXXXXXAnd again under other name Credit Karma with address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXinquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not applied for credit neither access to my account with credit karma to verify my score did not authorized anyone to use my score for any type of financing. I did not have any credit card, debit card, loan or financing with credit karma. These XXXX inquiries I did not recognized it, nor authorized nor requested. They are unauthorized credit inquiries and are discriminatory, selective arbitrary and was incorrectly and unlawfull use of my credit report. I would like to request an investigation of fraud and identity theft, and STOP MAKING INQUIRIES UNDER MY NAME, UNDER MY SOCIAL SECURITY NUMBER AND UNDER MY BIRTH DATE.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard. 
The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this. 
The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act. 

I filed a fraud report with XXXX Fleetcor  Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX  ( XXXX XXXX ) of the fraud. 
I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.
Consumer complaint received 2023-08-18
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)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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: Greenberg, Grant & Richards Inc. (FL)

I am writing to dispute and formally request an investigation into an unauthorized hard inquiry that recently appeared on my credit report, as reported by your agency. This inquiry was made without my consent and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681g. 

Details of the unauthorized hard inquiry are as follows : Name of Inquiring Entity : GREENBURG GRANT AND RICHARDS Date of Inquiry : XX/XX/XXXX   I have not provided any form of consent, either written or verbal, to GREENBURG GRANT AND RICHARDS or any affiliated entity, to access my credit report or initiate a hard inquiry. This unauthorized inquiry has negatively affected my credit profile and may result in harm to my financial standing. 

Under the FCRA, it is explicitly stated that a permissible purpose is required for an entity to access a consumer 's credit report without their consent. I have not initiated any credit applications or transactions with GREENBURG GRANT AND RICHARDS that would warrant a permissible purpose for this hard inquiry. This action is a direct violation of my rights under 15 U.S.C. 1681b. 

I kindly request that you conduct a thorough investigation into the legitimacy of this unauthorized hard inquiry and provide me with a written response within the time frame specified by the FCRA. I expect your response to include : Verification of the permissible purpose that allowed GREENBURG GRANT AND RICHARDS to access my credit report without consent. 
A complete copy of the information that GREENBURG GRANT AND RICHARDS provided to you as part of this inquiry. 
Any correspondence, agreements, or documentation demonstrating that I authorized this inquiry. 
Proof of the lawful basis for this inquiry, in accordance with FCRA regulations. 
Failure to comply with the FCRA 's requirements or provide a satisfactory resolution within the stipulated time frame may lead to legal action. I am prepared to take legal recourse to protect my rights under federal law. 

In accordance with the FCRA, if my dispute is valid and the inquiry is found to be unauthorized, I demand the immediate removal of this unauthorized hard inquiry from my credit report. I also request a revised copy of my credit report reflecting this correction, and {$1000.00} remedy. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention and adherence to federal law are expected. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-10-12
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 (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

15 U.S. Code 1681i - Procedure in case of disputed accuracy I received a copy of my credit report the late payment and information on my credit report is inaccurate. 
date OF last ACTIVITY exact amount owed date opened On my transition report I owe XXXX On XXXX document attached below differ everything doesn't match LATE 30 day says XXXX, on XXXX it's says XXXX The Activity are inaccurate and does not met fcra. REINVESTIGATE and Remove inaccurate information
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

During the pandemic I was laid off. I contacted XXXX XXXX in which I have auto contract with and requested accommodation due to the pandemic. I explained that I was laid off and I was assured that my account would not be placed in any default status. I recently pulled a copy of my credit report in XXXX and noticed a series of late payment posted during the pandemic dates. I contacted XXXX XXXX and the CRA 's in XXXX to get this rectified and was assured the late payments occurred due to an automated billing error and would be removed. Furnishing the late payments to my account is in violation of 15 USC 1681 S-2 ( F ), as those periods were covered during the CARES Act. Furnishing those payments to my account as it stated as a billing error, further violates 15 USC 1666B. 
Posting those inaccurate late payments to my account are affecting my payment history and ability to obtain credit.