davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

My Suntrust business account was transferred to Truist and then closed. When my account was with Suntrust it was under review for fraudulent charges but once it was transferred to Truist it was closed. Truist then submitted my account to XXXX XXXX  which prevented my from opening an account under my business and also prevented me from opening a personal account
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Tribal Lending Enterprise, Inc. (IL)

I took a loan from this company for {$1000.00} on XXXX XXXX on todays date XXXX XXXX XXXX, my balance is {$1200.00}. 
I have paid {$1800.00} into this account already, have not missed or skipped a payment so I don't know how or why the balance is so high.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Sometime between XX/XX/XXXX and XX/XX/XXXX there were several Bank Of America accounts opened in my name in North Carolina and Florida. I was living in NY during this time. I contacted Bank Of America as well and they said that they would investigate but I have not heard anything from them.
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: Experian Information Solutions Inc. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC (FL)

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 2024-03-13
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: Experian Information Solutions Inc. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2018-05-07
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: EQUIFAX, INC. (DE)

What happened? 
two of my XXXX XXXX, were compromised by a person i did business with that had all my personal information. They were issues cards on my account without my knowledge, they evidently changed my address to a fraudulent address in XXXX NY. ( A ) I have relentlessly tried to get XXXXXXXX XXXX to removed the fraudulent address from my credit report and they refused to. ( B ) I have also tried to resolve these fraudulent unauthorized charges off my profile and it continues to be a very impossible task. The facts are even verified by XXXXXXXX XXXX  president office from letters they have sent to me. I have called them and left messages for the representative by the name XXXX XXXX XXXX ext XXXX and no call back. The fact is all the charges were made after XX/XX/XXXX, here reply letter stated the fraud unauthorize user taken off the account, why do they continue to give me a hard time to correct this problem? The account was carrying a - {$200.00} balance for 4 months and in XX/XX/XXXX they even sent me the credit for the {$200.00}. Then in XX/XX/XXXX 7 months after the issue was resolved XXXX opened another account in my name with a different account number and sent me statement that i owed them XXXX, then by XX/XX/XXXX it was a {$33000.00} balance, i have not did any transaction with them since the account was closed in XX/XX/XXXX, they are still reporting these fraudulent numbers on my account, i need them to fix their errors and clear my account.
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: Experian Information Solutions Inc. (MD)

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed first home. I have a top secret security clearance for work and XXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to first home. First home can schedule the payments if they want assurance. First home knows this isnt my fault yet Im being penalized and o can even make regular payments now because of the bounced payments from the XXXX issue
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collection Agency COLLECTION SERVICE OF ATHENS Original Creditor Name ATHENS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt paid and sold to collections I do not have a agreement with them nor owe the new collection which is the wrong amount and have already started garnishment on my wages taking over {$400.00} out a week.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a Bankruptcy on my credit file tact is more than two years old. The Bankruptcy in question is listed on the credit bureaus website as Discharged. My case was discharged and closed at the same time. I have certified court documents stating that the estate was closed. I asked the credit bureaus to update the information they have listed on my bankruptcy status from discharged to closed. I included copies of the court documents in my request. Transition and XXXX investigated my request for weeks and still took no action in updating the status of my bankruptcy listing. They sent letters to me explaining that after their investigation the actual bankruptcy is valid, and completely ignoring the fact stated in the certified court document and by my request that the listing of the bankruptcy be updated to closed.
Consumer complaint received 2023-07-11
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-29
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. (NY)

Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.
Consumer complaint received 2023-10-12
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: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I provided information to XXXX XXXX on XX/XX/21 that my car insurance paid for the rental car damage from ( XXXX XXXX XXXX XXXX XXXX ) and I should not be billed for it on my XXXXXXXX XXXX XXXX. 

XXXX investigated the matter and removed all payments from the rental company ( XXXX XXXX XXXX XXXX XXXX  ) On XXXX, I saw the charges put back on my card. I called and asked why, and they said the rental co. claim for the damages that's why. I asked them for proof that the rental company charge was valid, and they said the spoke to the rental company.
Consumer complaint received 2023-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

First of all, I qualify for the PSLF loan forgiveness. Mohela has miscalculated my payments and time in service. I would like a resolution to this. I believe that they deliberately miscalculated my loans so that I would not be able to close out my loans during the TPSLF period. But now that deliberate miscalculation means that I am stuck in the same situation. 
On the other hand, they keep sending me emails to tell me that loans are restarting but their website is down and has been for some time. 
How am I supposed to manage my loan payments when I can not even sign into the lenders website. The complaints against Mohela are numerous and they are still permitted to hold loans.
Consumer complaint received 2024-03-13
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. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MIDCOUNTRY FINANCIAL CORP (IL)

I have told these companies that I have no knowledge of these loans and they keep calling me. I have asked several times to calling and to remove these items and they still havent sent any proof. I called on XXXX XXXX XXXX
Consumer complaint received 2018-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. 
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. 

On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. 

On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. 

XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. 

After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. 

Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.
Consumer complaint received 2017-03-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Final Control. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I receive calls day and night from all over the country from a company called Midland Credit Management ( XXXX ). 

I have no outstanding debts, nothing on my credit report, yet they call from dozens of different numbers. I've had them call when I was waiting for XXXX calls with my doctor causing me to miss my call. It's incessant! 

This is clearly harassment on the Part of Midland Credit management and I want it to stop.
Consumer complaint received 2024-03-13
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. (CA)

Experian and XXXX have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from Experian, XXXX reports I have hired a professional company however the credit agencies are not compliant. 

Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

Account has been paid off since XX/XX/2023 and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (IN)

I saw an unknown inquiry on my Equifax Consumer report. 

XXXX XXXX XXXX, 2023 Please remove this unauthorized information. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MO)

Although I paid my account in a timely manner and have never been late, Comenity Bank closed my XXXX XXXX store account with less than two weeks notice and with no reason at the end of XXXX 2017. It also subsequently negatively reported it to the credit bureaus as 'closed by creditor '. As a result, my credit score was adversely impacted with nearly a 40 point drop through no fault of my own.
Consumer complaint received 2023-10-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The account listed below reported one late payment for XX/XX/2023 I already fix the issue with the company they agreed to remove the late payment. The current account status should be never late on any payments. 

Account name : XXXX XXXX Account number:XXXX
Consumer complaint received 2023-09-15
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. (OK)

Hard inquiries without my consent and knowledge fraudulently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX