davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NJ)

I have spoken to the representative from First Credit XXXX in regards to a debt owed to XXXX XXXX when I did not realize my debit card linked to my account had expired. 
I would like to pay the bill but I have repeatedly asked for a written bill as there are too many scammers out there and I would like to review the months I am being billed to ensure accuracy. 
They keep telling me that I am receiving emails and that is my bill. First, I do not receive any electronic communication from them. Second, I would like a bill mailed to my house, as is my legal right. 
I have not received any communications except for phone calls and my pleas for a written bill sent through the mail are being ignored. 
I do not want this to affect my credit score and I firmly want to pay this debt, but my rights are being violated and I don't know how to go about getting a written invoice from them. 
Please help!
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I have paid XXXX towards this loan and they have stated that XXXX went towards interest alone making only XXXX go towards the actual principle. i know this is erroneous. They have also stated that i have extended the loan over 13 times. I am now way upside down on the loan and now cant get out the loan or trade the vehicle in as the negative equity is too high.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America pursued collection f this debt against me in XXXX County Court. The case was dismissed by the judge. It is illegal for this debt to be pursued as collection against me and therefore should be removed from my credit report.
Consumer complaint received 2023-12-22
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. (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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-02-16
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. (TX)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2023-09-23
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. (TX)

I hope this letter finds you well. I am writing to formally lodge a complaint regarding the repeated and unsuccessful attempts I have made to have a charge-off account removed from my credit report. The persistence of this inaccurate information is causing severe financial hardship and distress. 

The charge-off account in question has been adversely impacting my credit score and financial well-being for an extended period. I first identified this issue and have since been diligently attempting to have it rectified through your organization. Unfortunately, my efforts have yielded no success. 

I initially submitted a dispute request to have this charge-off account removed, providing all necessary documentation and evidence to support the claim that it should not be part of my credit history. Despite adhering to the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the charge-off account is erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would be addressed appropriately. To date, I have not received any communication indicating that my dispute is being actively addressed or that there has been any progress towards its resolution. 

I can not overstate the detrimental impact that this charge-off account has had on my financial life. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive investigation into the accuracy of this charge-off account and, if found to be erroneous, its swift removal from my credit report. Furthermore, I request written documentation confirming the removal of this charge-off account and its effect on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve your customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please help me removed this charge off account in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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: WELLS FARGO & COMPANY (VA)

I have repeatedly disputed incorrect information on my Wells Fargo account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

MY SIGNATURE & ADDRESS DOESN'T MATCH WITH ANY OF THESE CREDITORS THAT'S REPORTING ON MY CREDIT REPORT. I NEED PROOF OF MY SIGNATURE, NAME & ADDRESS TO CONFIRM THE VALIDITY OF THESE TRANSACTION/S.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (SC)

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.

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 2023-12-22
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. (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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have inquiries on my transunion report. 


Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I opened an Elite Money Market Savings Account with US Bank on XX/XX/23 because they stated that they would pay 4.5 % interest if I had more than XXXX deposited in the account. I had approximately XXXX in a treasury bond mutual fund at XXXX XXXX that was paying about the same amount, and since the savings account was with US Bank, where I also had a checking account, I figured it would be more convenient to just move the money to this savings account and earn approximately the same amount of interest. I had the money in the savings account for approximately 2 months, during which time I verified that I was getting paid interest at 4.5 % on the money. At the end of the third month, I noticed that I was paid less interest, despite having more money in the account and the fed funds rate having been increased during that time. I did some research and determined that I was paid at a 3.45 % rate during the third month ( XXXX ). I checked the terms of the agreement and didn't see anything about the rate decreasing after the first couple of months. I also checked online and determined that the promotion was still active on the US Bank website. I called US Bank and they gave me a variety of explanations about why I wasn't getting the 4.5 %. This included telling me that I didn't sign up for the 4.5 % rate, an explanation which was provably false because I was paid at that rate for the first two months. Eventually they told me that I signed up for the 4.5 % promotion, but that promotion had been ended and an identical promotion had been put in its place. Thus, my promotion ended and the rate decreased, while it appeared as if nothing had changed. They did not provide me with any notice that my rate had changed and instead took these actions in such a way that I believe they were trying to avoid having the consumers notice the change. I told US Bank that I thought this was a deceptive business practice and that I was going to pull my money out of the account and close it. I will put my money back in the mutual fund, where I won't be subject to the fund owner trying to trick me into providing me less interest. I later went into a US Bank branch to move my money out of the savings account and the customer service specialist told me that the 4.5 % rate was still going on and that I didn't have to close it. I explained to her that she was misinformed and that US Bank was cycling people out of the promotional rate and then restarting an identical promotion and that she could check my rate if she didn't believe me. She checked the rate and didn't understand why it wasn't 4.5 %. I told her not to worry about it and to just move the money and close the account. So, even US Bank 's own employees didn't understand the functioning of this financial instrument, or the method by which US Bank is providing customers with less than the advertised 4.5 % rate.
Consumer complaint received 2023-12-05
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. (OH)

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 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer sciencehelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-21
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. (FL)

The documents listed below are accounts that are not mines. Along with the inquiries that were not made by me. Also, The Payments that are been reported as late on my credit report is inaccurate and i would like for that to be fixed. I'm asking that the accounts & inquires that are listed on my report to be investigated and removed because they were not authorized by me. Please be sure to erase all fraudulent accounts from my report immediately.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (AL)

Hey, Im sending this as a good will letter. I would like for the car loan to be removed from my credit reporting. The car is paid in full and have been paid for several years now due to my car being totaled out. Im asking for good faith on this request in hopes that my request can be granted. Yes, due to mishaps it took awhile to pay the balance leftover after the insurance paid the portion from the policy. Thanks you for consideration. It shows bad reporting and to be truthful, I never had an issue with my payments being 30 days behind when I was making payments on my car, but of course when having to purchase another car after my car was totaled- it was hard to make payments to both companies ( car loans ). Just asking for Grace
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (MD)

The collection account reported by Caine & Weiner Co. was reported XXXX XXXX as Paid, but still showing on my credit report tarnishing my ability to obtain credit. I would like for this to be removed.
Consumer complaint received 2024-05-18
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (OH)

This will be my XXXX time now filing this complaint with Amsher Collections XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX and for whatever reason this account has been back reported to my XXXX XXXX. I have XXXX complaints filed XXXX XX/XX/XXXX and XXXX XX/XX/XXXX which again this was removed so why or who is allowing these companies to keep causing grief and stress to us as consumers. Again per the last XXXX complaints this is account has caused me to not to be able to provide housing for me and my minor children. if this was removed why is this now back reporting to my bureaus. I need this removed asap per the last complaints so now the company again going to say this will be removed in 90 days when why was this placed back on my bureaus. I just got denied housing because of this and that's how I found out this was back on my bureau. Thanks In Advance with getting this matter taken care of and removed and for this to not be placed back on my bureaus.
Consumer complaint received 2023-12-22
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. (FL)

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' XXXX, transunion, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general 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. '' XXXX, transunion, XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, transunion, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, transunion, XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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.