davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$160.00}.
Consumer complaint received 2023-11-25
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)

To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2023-11-25
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. (FL)

This account is closed, balanced is in correct, this account was sold at a auction and gap insurance paid the balance on this an account that closed can not incur interest. this is a violation to me the account is closed, their should no updating on this account last payment made on account was XX/XX/2018. nothing should reporting since then account has been paid off already and due to many violation to me and my credit report. XXXX are all violated here. I was my rights were violated in so many ways, I was not told the sold that and auction date. I did not know any of pricing for sale of car. I didn't approve of sold price at auction. I was told about sale price after it was sold at auction.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I started treatment with XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX to fix XXXX  with my XXXX. I paid the deposit ( {$250.00} ) to start on XX/XX/XXXX, and received all XXXX  of my XXXX  XXXX  on XX/XX/XXXX. They told me I would be done with treatment on XX/XX/XXXX. I was making monthly payments of {$78.00} with XXXX lender, XXXX XXXX XXXX XXXX. All was going well with the treatment, until I got to XXXX  number XXXX. They were made incorrectly and did not fit my XXXX. I reached out to XXXX customer service, did a video chat with the heath care consultant and they confirmed the XXXX  werent made correctly and they would send a replacement set. This was in mid XXXX. I had to wait XXXX XXXX  before I received this new XXXX  and set XXXX, so my treatment time was pushed back to conclude XXXX XXXX. The consultant I spoke with told me I should have no problems with the rest of my XXXX, but if I did to reach out. I wore set XXXX for XXXX XXXX  like I was supposed to, and wore set XXXX for XXXX XXXX like I was supposed to. When it was time for me to switch to XXXX  XXXX on XX/XX/XXXX, they didnt fit. I called customer service again, we did a video call and they confirmed yet again that the XXXX  was made incorrectly. They asked if I could try on XXXX  XXXX, I did and that also didnt fit. They told me I could either wait another XXXX weeks to get new sets, or just cancel my service for a refund all together, since this was the XXXX  time I was having this same issue. I told them I didnt want to wait that long because my treatment was already delayed XXXX XXXX, and I didnt want it to be set back another month. They said theyd still send me new XXXX anyway, but they would put in the request for cancellation. I got an email on XX/XX/XXXX that the new XXXX  would be shipped, and then got another email XX/XX/XXXX stating they received my request for cancellation and that someone would reach out within XXXX business days for next steps.About XXXX hours later, on the XXXX XXXX announced they shut down all operations effective immediately. I was preparing to go out of the country so I filed a dispute with Wells Fargo on XX/XX/XXXX for the deposit, and XXXX of monthly payments ( XXXX, XXXX, XXXX ). They denied my claim so Im trying to figure out what my next steps are. I want my money back, so that I can begin treatment with XXXX. Even if I wanted to continue treatment since I have all of my XXXX, I couldnt since the next XXXX sets I needed do not fit. XXXX  are worn in a sequential order so if the ones up next dont fit, the ones after surly wont either, since my XXXX  are moving. With that being said, the XXXX with my XXXX  still hasnt been addressed and corrected, which is what I was paying XXXX for, and Im not satisfied. I was told that I could get a refund but because the company shut down, that never happened. Dispute receiving an email saying my new XXXX  were on the way on XX/XX/XXXX, I never received them.
Consumer complaint received 2023-11-24
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. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several unauthorized / fraudulent inquiries listed : XXXX XXXX XXXX  XXXX XXXX XX/XX/2023 and XXXX XX/XX/2023. I am hereby notifying you that these inquiries are fraudulent. Neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C.1681b ( a ) ( 2 ) : 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. Both together and seperately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned unauthorized / fraudulent hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2018, I placed an order for a book on XXXX XXXXInitially the book was not delivered. However, it was later found and delivered. At which time I realized that it was the wrong book. In such case, the book was sent back and received by XXXX. The problem so far has been about receiving back the prize that was paid for the book. I paid the sum of {$120.00} for the book and it was charged to my XXXX credit card. However, after having returned the book. My account was credited with only {$16.00}. Leaving my account short {$100.00}. After having contacted XXXX about the discrepancy, I feel I am being given the run around. I received a reply e-mail that states that it would take sixty days to investigate something so obvious. In such case, I called their customer service and I was told it was an issue with XXXX not the bank. However, from my perspective as their customers it makes no difference to me. Plus the purchase was paid for with an XXXX credit card.
Consumer complaint received 2023-11-24
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)

XXXX, Equifax, and XXXX used my information without my consent, and According to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : A : the information was blocked in error or a block was requested by the consumer in error ; B. the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

However my information was misused without my consent of approval.
Consumer complaint received 2023-11-24
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. (GA)

I am writing to formally report retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in response to my initial complaint filed against them. It appears that they have manipulated my credit collection balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX, has violated my rights. 
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 an account without my written instructions. 
This account is a fraudulent account, I have been reported this concern to this company and no action has been taken.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Repeated phone calls even though I asked and written them requesting them to stop calling. 

Calling late at night, very early in morning, and during work hours. 

Received threats of court action, being unable to register a car
Consumer complaint received 2018-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

In XX/XX/XXXXI opened an account with XXXX for a credit card with a limit of {$200.00}. After several months I was unable to make the payments, as I was not working. In XX/XX/XXXX I moved from XXXX to XXXX. As of the year XX/XX/XXXXI began receiving calls from a company called XXXX XXXX claiming I now owed over {$2000.00}. on this debt. On XX/XX/XXXX I was summoned to court and was convinced to make a payment arrangement with XXXX XXXX even though I was unaware and or not made aware of that the Statute of Limitations had most likely ran out on this debt. I paid XXXX XXXX from XX/XX/XXXXuntil about XX/XX/XXXX a total of {$450.00} and could no longer make the payments due to being out of work. On XX/XX/XXXX the County Court granted a final judgement to XXXX XXXX. I do not believe I have seen documentation of this judgement until XX/XX/XXXX. My signature is not on this document. On XX/XX/XXXX, I happened to notice money missing from my paycheck. I looked at the Pay Statement to find that {$220.00} had been taken for Garnishment. Apparently, a hearing took place on XX/XX/XXXX, at the County Court without my knowledge, to grant a Writ of Garnishment to Asset Acceptance. I was never notified of this, nor was a given a chance to explain, defend, or oppose this action. Nor was I made aware of that I could file an Exemption for Head of Household, as I provide at least 70 % of the household income for my Spouse and myself. I tried calling several attorneys, but the only suggestion they make is to file bankruptcy, which for me is not an option.
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CA)

On XX/XX/XXXX there were 3 fraudulent charges tha were made on my card, 2 XXXX XXXX transfers and one transaction at an online clothes retailer. I never lost possession of my card. I froze my card immediately and informed them of the fraudulent charges in the only way that you can file a dispute a charge is by clicking on the transaction through the app. I then received a text a couple of days later stating that the charges would not be refunded because they were not fraudulent in nature which is false.
Consumer complaint received 2023-10-27
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma (CO)

I applied for 2 credit cards on credit karma shortly after getting a card I was guaranteed to get. 
There is a guarantee of approval for cards listed by credit karma, or it says that XXXX WILL PAY {$50.00}, TO BACK UP THEIR CLAIM. 
THEY OWE ME {$100.00}. 
I DID NOT GET APPROVED. 
I COULD NOT FIND ANY WAY TO CONTACT THEM ABOUT IT. 
THE DETAILS ABOUT THE GUARANTEE SAY ID RECEIVE AN EMAIL WITH STEPS TO GO ABOUT GETTING PAID WHICH I HAVE NOT RECEIVED
Consumer complaint received 2021-11-27
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. (NV)

this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX collections for {$90.00} and a another one for {$390.00} no full account number no original creditor 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

In XX/XX/XXXX, I went into Truist Bank on XXXX XXXX in XXXX, NC to open a new checking account with XXXX XXXX. I was on a joint checking account with my DAD, who passed away on XX/XX/XXXX. Well they did not open a new account, they simply removed my DAD name and ordered me a new debit card. I don't recall being told it would not be a new account. In addition, on XX/XX/XXXX I opened a Money Market Savings with XXXX XXXX. On XX/XX/XXXX the US Treasury sent a reclamation for XXXX for a payment for my dad. There was not enough in that checking account. Truist just went into my personal money market savings and took the payment to pay the US Treasury. I spoke to US Treasury and per them, Truist should had responded to the reclaimation that account has closed or was insufficient and they would have pursued his estate. Truist supervisor XXXX state they could go in ANY account I have to pay for my dad obligations, due to I signed a signature card for the joint account and because I was a beneficiary. I spoke to a branch manager, XXXX, she advised that is impossible. I can't be a joint and a beneficiary. I have a long of the 25 times I have called the local branch and call center. NO one will ever back. Local branch said this is out there hands.
Consumer complaint received 2023-07-12
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear XXXX XXXX XXXX I hope this message finds you well. I am writing to express my deep concern regarding a significant discrepancy in the reporting of my tradeline with your organization. My credit report currently reflects a balance of {$0.00}, which is not accurate as my understanding and records indicate there should be a tradeline amount of {$30000.00}. 

This discrepancy is causing a considerable impact on my credit profile, and I am seeking your immediate assistance in rectifying this issue. I understand the importance of accurate credit reporting and its impact on my financial standing. Therefore, I kindly request that you promptly investigate this matter and update the reported tradeline amount to reflect the correct balance of {$30000.00}. 

I have attached supporting documentation, including statements and transaction records, to substantiate the accurate balance. I believe this evidence will aid in expediting the resolution process. 

I appreciate your attention to this matter and expect a prompt and thorough investigation into the reporting error. Please inform me of the steps being taken to rectify the situation and provide a timeline for the correction to be reflected on my credit report. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (IL)

XXXX FAILS TO REMOVE THESE INQUIRIES FROM MY CONSUMER CREDIT REPORT AND I HAVE DISPUTED THEM MULTIPLE TIMES AND I HAVE EVEN SENT THEM THE LAW THAT SHOWS THEY ARE IN VIOLATION AND THEY KEEP IGNORING MY REQUEST. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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.

( NOTE : PRIVACY ACT OF 1974! )