davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (PA)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tenaglia & Hunt, PA (NJ)

I called a law firm to resolve a dispute I was given a number and a file number. I was told that I will receive a call between Monday to Wednesday. Between XXXX to XXXX XXXX. I left a voicemail with the file number I was given. Today I received a call from the guy I was told she told me to expect a call from this number ( XXXX ). He asked for someone in named XXXX, I told him I wasnt XXXX but I did call to resolve a dispute. He proceeded to ask for my name and the last four digits of my Social Security. He told me my name was not on the file you can not help me, then hung up the phone. At that moment realized I gave him a Social Security number. I was given this number by the law firm that I was trying to contact to resolve my dispute.
Consumer complaint received 2024-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

XXXX XXXX was reported as collections to my credit reports due to identy theft. 
for the amount of {$2600.00} reported on XX/XX/22. I never signed a wet contractual contract with this company nor have an opened account with this company
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NV)

Information was removed from XXXX reports XXXX, XXXX and Equifax due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Braviant Holdings, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-09-22
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 2021-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX someone impersonating Bank of America called me regarding fraudulent activity on my account and had me transfer over {$2000.00} via XXXX to protect my remaining funds. Person stated funds would be returned to my account the following day. Funds have not been returned. Contacted Bank of America fraud department and they opened a claim. Claim number is XXXX Because this was a scam and not technically fraud, I may not even receive my money back.
Consumer complaint received 2024-03-28
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. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-31
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$18000.00}.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

I am writing to bring to your attention a concerning matter regarding a debt collection attempt made by XXXXXXXX XXXX on XX/XX/2023, and the subsequent lack of response to my debt validation request. Additionally, I am now being contacted by another debt collector, MRS BPO, on XX/XX/2023 regarding the same debt, which raises questions about the legitimacy of this debt and the practices of the involved parties. 

* XX/XX/2023 : I was initially contacted by XXXX XXXX regarding a debt they claim I owe. I promptly responded to this communication by sending a debt validation letter via certified mail, return receipt requested, on XX/XX/2023. 
* Despite the passage of XXXX months since sending the debt validation letter, I have not received any correspondence or documentation from XXXX XXXX validating the debt as requested. This lack of response raises concerns about the validity and accuracy of the debt in question. 
* On XX/XX/2023, I received a communication from MRS BPO, another debt collector, inquiring about the same debt that was previously being pursued by XXXX XXXX. This sudden change in the collector 's identity, without any prior notice or explanation, further raises doubts about the legitimacy of the debt and the practices of the involved parties. 

Given the circumstances outlined above, I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws. 

I am seeking your assistance in resolving this matter and ensuring that my consumer rights are protected. I kindly request that you investigate the actions of both XXXX XXXX and MRS BPO in relation to this debt and take appropriate measures to address any potential violations of consumer protection laws.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I would like to make a complain about Equifax. I am trying to check the status of my account and there is no way to do so. I tried calling them and I was unable to get through to them. I am unable to connect to someone who will help my situation. 

I do not think its fair that one of the 3 major credit card Bureaus has such terrible customer service when they affect the lives of so many. 

Ultimately I want to unfreeze my credit from Equifax as it is frozen now. I can not do so if I can't even log into my account. I have tried logging in from different computers, phones, and web browsers. I feel the only way to fix this is to talk to a rep from Equifax. That may seem like a simple solution but it's very difficult to talk to a person from Equifax who can help my situation. 

I have read reports onlne that it can take weeks to even months to log back into your equifax account. 

I have had this account for over a year now. My information is accurate as I get regular credit reports from Equifax as well from XXXX and XXXX. 

I do not know why I can't freely checked the status of my account.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I never gave the credit card company the express, implied of written consent to publish my proprietary information on any credit agency, Bureau, or Data company. I ask them to correct the error and my account was closed without notice.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-12-30
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. (NC)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint regarding the persistent difficulties I have encountered in attempting to remove fraudulent items from my credit report. Despite numerous attempts to address this matter, the inaccuracies persist, posing a significant threat to my financial well-being and causing substantial distress. I have attached my supporting documents including my Driver 's License and Social Security Number.

These fraudulent items are severely impacting your credit score and causing financial distress, providing specific examples if applicable.

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information.

I am requesting for your assisstance to resove this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the fraudulent items.

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$87.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} 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 : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (FL)

TRUIST BANK HAS DENIED MY DISPUTE EVEN THOUGH I REPORTED AS POSSIBLE FRAUD. I PURCHASED AND PRODUCTS/SERVICES NEVER DELIVERED OR PROVIDED STATUS OR UPDATE. I CANCELLED AND NOW THE COMPANY WILL NOT GIVE THOUSANDS OF HARD EARNED MONEY BACK. 
-- - BANK : TRUIST COMPANY : AIR.AI ISSUE : POSSIBLY FRAUD AND NO DELIVERY OF TANGIBLE WORKING SERVICE OR PRODUCT. 
-- -- I was told the monthly cost was $ XXXXmonthly but charged XXXX charges of {$2800.00} initially for a total of {$5700.00}. 
Delivery of products were to be in two weeks and have not received any status or updates. 
I was not provied any access to review my product/services. 
I decided to cancel and request a refund. 

On XX/XX/XXXX, I requested a refund by initiating the request by email. ( see attached file " XXXX Cancellation Services Request XXXX - XXXX '' ). 
On XX/XX/XXXX, I received notification no refunds were available even though no product would be delivered and no status of the delivery of my XXXX XXXX was ever provided. ( see attached file " XXXX XXXX XXXX  - Refund Request Denied.XXXX '' ). 
On XX/XX/XXXX, I received an invoice for a second payment of {$8500.00}. I indicated I desired to cancel the services and request a refund on XX/XX/XXXX, to avoid an issue with XXXX charging my CC/Debit Card I requested to cancel and a refund of funds. ( see attached file " XXXX - XXXX - XX/XX/XXXX XXXX '' ). 

On XX/XX/XXXX, I submitted a dispute claim ( ) for the two separate payments made ( or cleared ) on with TRUIST BANK and the Company Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX and Transaction Details | - {$2800.00} | XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD PURCHASE | Transaction Date | XX/XX/XXXX Only one of the transactions ( XX/XX/XXXX ) was stated on the claim response ( Dispute Claim # : XXXX ) from Truist. I therefore submitted another claim on XX/XX/XXXX ( Dispute Claim # : XXXX ) for the second transaction for XX/XX/XXXX.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NY)

As I was in the process of shopping for a new car I noticed as I pulled my credit I noticed that they charged off this account on my credit and I've never received a 1099 form, I need this form to be sent to me
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more.

XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2023-10-14
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)

Please remove the fraudulent XXXX XXXX  account, XXXX, XXXX  XXXX XXXX, XXXX XXXX card account, and XXXX XXXX collection account as I never have had contracts with them, and per the fair credit reporting act these unauthorized fraudulent accounts MUST BE REMOVED!! XXXX
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I was to close on a property on XX/XX/XXXX. I received an email I thought was from the closing attorney with updated wiring instructions. The email was fraudulent. Truist bank, who received the wire, has verbally told my bank, XXXX XXXX, that the money was still in the account when it was frozen but also that the beneficiary name on the account the money is in didn't match the name on the wire transfer. XXXX XXXX has stated that this wire should not have been approved by Truist. Truist is wasting time covering up their mistakes instead of just returning the money. It's about {$130000.00}.