davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (TX)

I received the contract in the mail from Republic Finance stamped " paid '' on the contract on XX/XX/XXXX. I called to make sure on the first of XXXX stating that I would like to make a payment, and was told, oh, XXXX XXXX, your account is paid in full, so I said okay. I go to my credit report and it shows that I owe Republic Finance {$5700.00} dollars, which was reported to the credit bureau by Republic Finance on XX/XX/XXXX. So, either I have paid too much money on the loan that I received, was cheated by Republic, and they are trying to cover up something, and if the loan is paid in full, they need to make it known to all three credit bureaus. I don't trust Republic Finance, and I have learned a very good lesson. Although you have excellent credit, don't do business with untrustworthy people. I also received information from the TX XXXX, but when I talked with Republic Finance about this I was told that they have nothing to do with that. I may be old, but I am not stupid. I don't want my credit rating to be tarnished with unscrupulous people. One other thing, there was no where to put how I received the check. The check was actually sent to me, and said all I needed to do was deposit it into my account, I didn't get it on line. I have truly learned my lesson. My credit rating is very good, and next time I need a loan I will go to a reputable company. I call companies like this loan sharks.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

On multiple instances i requested that XXXX XXXX, discover and XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (IN)

I received a small claims notice that I am being sued by Absolute Resolutions Investments LLC through XXXX XXXX XXXX. This is the first I had heard of this debt or of it being " owed. '' I never received any communications from Absolute Resolutions of the debt AT ALL. When served with the papers of the small claim, I filed an Answer affidavit back denying debt and asking for several things including - debt validation, copy of original signed contract with original creditor ( which I had no prior knowledge of ), Valid proof, attorney 's collection and licensing, Lack of Privity, all of this- I was NEVER provided anything from Absolute Resolutions on such a debt placed with them.
Consumer complaint received 2023-05-02
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. (GA)

In accordance with the Fair Credit Reporting 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint to dispute this account on my credit report that resulted from identity theft. This account do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

This is the fraudulent account on my report : XXXX XXXX XXXX.
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

I have XXXX, a XXXX supplement, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything was preapproved by XXXX. There were no charges due. 
I never received a bill from the XXXX, but now get texts and usps mail from collection agency saying I owe {$170.00}. 
Ive made 3 attempts to give them - the collection agency- my insurance information- which the XXXX had, and was told theyd get back to me. They dont. 
This time they told me the hospital gave the outstanding bill to collections and they cant help. I called the XXXX  and they say the bill is in collections and they cant help. 
Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
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. (NC)

I have contacted transunion about credit inquiries that was showing up on credit report and I ask them to remove them because I was a victim of fraud ... the credit inquiries was mortgage inquiries I have not authorize no lenders to check my credit for a mortgage loan or auto loan I am not in the market for no mortgage loan or auto loan ... and also XXXX and XXXX XXXX are fraudulent accounts I will like those accounts to be remove also
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBA of GA, Inc. (GA)

Ive been in communication with XXXX XXXX at CBA since XX/XX/XXXX it took until XX/XX/XXXX for him to send me proof of amount owed. After review of the document I see that a payment of {$2500.00} is now reflected on the document hes provided. XXXX has suggested I pay him regardless of my knowing have made a payment to the original creditor. He stated, after you pay the amount sure Ill look into the missing XXXX.
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I consolidated my loan on XX/XX/XXXX. The loan consolidation covered all principal and interest at that point. In XX/XX/XXXX, all interest on student loans was paused, though I continued to make monthly payments to principal. When student loan payments resumed in XX/XX/XXXX, I all the sudden started having accrued interest showing on my loan ( this is in addition to {$11.00} in daily interest which I am aware is the cost of my loan ). The interest accrual continues to go up, despite making normal monthly payments that are to cover all principal and interest ( per the terms of the consolidation agreement ). I've even made additional payments, in the amount of the interest accrual, but the interest still remains. At this time, I am projected to have more interest owed than the monthly payment. For every other type of loan, if you make an extra payment and have outstanding interest - the payment goes to the interest owed first. Upon calling Nelnet, they can not articulate where the interest accrual is coming from, can not allow for payment of the interest accrual, and are unable and unwilling to help - despite being put on hours long hold.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (AZ)

This account with BRCLYSBANKDE with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX and XXXX XXXX and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (GA)

LAST TRANSACTION:XX/XX/24- {$55.00}. TRUIST HAS FRAUDULENTLY TAKEN MONEY OUT OF 2 OF MY ACCOUNTS FOR MAINTENANCE FEES ( UNAUTHORIZED ) PAYROLL FEES FOR APPROX. 4 YRS. ( THIS HAPPENED UNDER SUNTRUST BANK PRIOR TO THE MERGE W/BBT BANK DURING COVID-PANDEMIC-WHEN BANKS WERE CLOSED AND ONLY DRIVE-THRU WAS OPEN ) .PER THE BRANCH MANAGER-XXXX  XXXX, I ENTERED THE BRANCH ON XXXX XXXX GA & SHE ALONG W/BANKER XXXX SET UP SERVICES TO INCLUDE PROOF I HAVE OF EMAILS DIRECTLY FROM XXXX WHICH WERE SUBMITTED TO TRUIST AS EVIDENCE. I CONTACTED TRUIST ON XX/XX/24 AFTER SEEING UNAUTHORIZED FEES OF {$55.00} DRAFTED AND WAS TOLD IT WAS FOR PAYROLL SERVICES THAT I DONT HAVE. MY BUSINESS DOESNT USE PAYROLL AS ALL EMPLOYESS ARE STAFFED THRU A TEMP SERVICE. I WAS TOLD THAT I NEED TO GO ONLINE TO CANCEL AND CALL THE TRUISPAYROLL DEPT. AT XXXX. THIS NUMBER IS MISREPRESENTED BY TRUIST BANK AS THE CALL IS PICKED UP BY TRUIST PAYROLL DEPT, HOWEVER, THE EMPLOYEES ASSOCIATED TO THAT NUMBER WORK FOR A 3RD PARTY COMPANY CALLED XXXX. THIS WAS NEVER REVEALED UNTIL I CONTACTED TRUIST FRAUD DEPT AND WAS GIVEN THE " TRUIST PAYROLL DEPT '' # ABOVE. ALSO, AFTER CALLING THE " PAYROLL DEPT '', I SPENT 4 DAYS TOTALLY 8 HRS SPEAKING TO XXXX, XXXX AND MORE REPS WHO GAVE MANY INTERNAL CASE # S:XXXX & XXXX. I WAS TOLD I WOULD RECEIVE A COURTESY 3 MTH CREDIT AS THE CASE IS BEING ESCALATED. THE TOTAL FRAUD DRAFT WAS {$3300.00} AND AS OF TODAY, I RECD {$55.00} CREDIT AND XXXX XXXX AT XXXX ESCALATED THE FRAUD AND CREDITED {$500.00}. I REC 'D ANOTHER DRAFT IN XX/XX/24 AND TRUIST CLAIMS ITS FOR PRIOR MTH CHARGES. THIS COMPANY CONTINUES TO DRAFT FEES UNAUTHORIZED. I REQUESTED DOCS FROM THE PAYROLL DEPT. WHICH THEY CLAIM WERE SIGNED ELECTRONICALLY & NO ONE WILL SEND COPIES WHICH WERE NOT SIGNED ELECT. BY ME BUT FORGED BY THE XXXX XXXX. BRANCH. I WAS TOLD BT TRUIST FRAUD THAT PAYROLL HAS A PAY AS U GO OPTION WHICH IF I USED THEIR SERVICE, WOULD'VE CHOSEN THAT! I EXPECT A REFUND. 
REFUND THE REMAINDER BALANCE OF {$2800.00} FOR PAST UNAUTHORIZED FEES AND {$55.00} FOR THE DRAFT ON XX/XX/24 IMMEDIATELY.
Consumer complaint received 2024-04-09
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. (UT)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (MO)

Lies lies lies lies lies lies lies lies lies lies lies that's all Experian does this fraudulent crooked company says yet again, FOR ALMOST 2 YEARS EXPERIAN HAS BEEN WORKING ON THE ISSUE, scam scam scam scam scam scam scam scam AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

Since the inception of this credit card, there have been questionable practices. I experienced a dispute that extended over 15 months, during which I was consistently charged interest. Despite the understanding that the disputed amount would be credited until resolution, it was never applied, resulting in continuous accruement of interest. The matter was resolved after 18 months, but I never received the interest refund, and regrettably, it slipped from my attention.

Subsequently, I encountered an issue with paying a bill through my bank checking account. Oddly, although I selected a specific account for payment, the credit card company attempted to draft from a different payment source on file. While this scenario seemed unlikely, as I am the only one who could have made that selection, there were discrepancies. Typically, I receive notifications specifying the account from which a payment was received, but for this particular transaction, the notification only displayed the amount. Despite speaking with an agent who acknowledged the questionable activity and refunded one charge, the issue persisted. Though the agent couldn't provide an explanation, I assumed the matter was resolved. 

However, additional charges continued to appear even after reaching a {$0.00} balance. I paid a subsequent {$130.00} charge, but then noticed an additional {$13.00} labeled as interest, seemingly billed at an unusual time compared to the previous month. The billing date shifted from the XXXX to the XXXX in XXXX. 

I strongly believe this company should be investigated for fraudulent practices. Despite abstaining from using the card since the {$600.00} payment, unwarranted charges persist, causing considerable distress. I seek assistance in resolving this matter promptly, or possible class action suit, because I can't be the only person having problems with this company.
Consumer complaint received 2024-04-09
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. (VA)

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. 

Account name : Acct # XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, late payments, & XXXX Student Loans # XXXX has violated my rights. 

15 U.S.C. 1681 Sec 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 602 A. It also states a consumer agency can not furnish a agency without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer 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 2024-02-02
Product: Credit 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: AMERICAN EXPRESS COMPANY (WA)

asked them why they extended resolution date for Dispute XXXX, when i have XXXX  tracking showing the merchandise was MISSING from the packages and email from Merchant acknowledging refund is owed to me... American Express just said they need to keep contacting the merchant, so it is like they do not believe me because I am XXXX and merchant is XXXX  american owned. 

the merchant told them the items were delivered, but the merchant then told me via email i am owed refund because they were lost ( the items werent in packages ). I showed this email to American Express. XXXX trackings also says merchandise missing. I also showed this to american express. there is only one obvious conclusion here, I am owed my money back..
Consumer complaint received 2024-02-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone used my XXXX account debit card and took over {$22000.00} and Bank of America denied my claim. 

Someone made over 30 transactions using my debit card between XX/XX/23 to XX/XX/23, and BOA refused to investigate. I couldnt take out any money at the beginning of XX/XX/2023, so I called BOA to find out why my card was not working, and they said Because you used all your money your balance is {$1.00}. I was shocked, I told them I had not even used my card since XX/XX/2023 and I filed a claim with Bank of America. But the bank said, Since we found several transactions where your card was present and the chip on the card was read and since your card was in your possession your claim has been denied. And they refuse to investigate and give me my money back. When I asked them again they just sent me a copy of several pages of transaction activity that I never made. Then I asked help from XXXX XXXX XXXX XXXX  ( XXXX XXXX ) and they contacted BOA and BOA refunded {$5000.00} to me, but BOA dined the rest of my money which is XXXX. So please help me get back my money.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-08-14
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 (FL)

On the day of XX/XX/XXXX my wallet was lost and my card was stolen, where {$1200.00} was taken from my account, money which was to pay my rent. When i went to check my account that my card declined, I immediately called my bank on XX/XX/XXXX, made the claim, and it was resolved, I was able to pay my rent, everything was good. On XX/XX/XXXX I received a card in the mail saying the claim was to be deducted from my account, saying the bank determined it was someone approved by me or myself, not even an exact answer, which is money i clearly do not have to spend, and today on XX/XX/XXXX money was sent to my account which was deducted from the negative balance. Now my issue is the bank is not helping and now im in debt, money i needed to pay my car insurance is gone and I cant seem to get anywhere therefore Im contacting the bureau to try and get this situation resolved
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XXXX XXXX I applied for a pre-approved auto loan through USAA. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from USAA, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by XXXX to USAA was XXXX. I have talked to both XXXX and USAA three separate times. I will only address the last call with each, but I would like to note that XXXX makes it almost impossible to get a live agent on the phone. On the final call to USAA, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by XXXX. When I spoke last to XXXX, their supervisor, XXXX, claimed that XXXX did not provide a credit score at all, only the credit history data that USAA then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.