davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (MO)

Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have also enclosed a copy of the report I received. 

In accordance with The Fair Credit Reporting Act. the account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 



Account Number : XXXX This item is disputed by me. I never gave permission for the creditor to post or share, list any information regarding my credit to the public such as creditors or tax court, and identify the type of item, such as credit account, judgment, etc. I am requesting that the item be removed in order to correct the information. 

Please reinvestigate this matter and correct the disputed item as soon as possible. 

In accordance with the new privacy laws, I kindly request you not to post any negative report to credit agencies until this dispute is resolved. I submit this request based on the following : 15 u.s.c. 1681 Section 602a States I have the right to privacy 15 USC 1618 section 604a section 2 ; it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 C ( a ) 5 close parentheses section States no consumer reporting agency may make it Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antidates the report by more than seven years 15 USC 1682 s - 2 ( A ) ( i ) A person 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 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 Account XXXX Account Name : 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 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Fully endorsed coupon payment tendered to supplier and was not applied. Amount {$2000.00} sent certified mail and delivered XX/XX/22 tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

To whom it may concern, I sent a multiple inquiry removal letter on XX/XX/2021 by certified facsimile in order to dispute information, in regards to 21 hard inquiries, that were being reported on my credit report. They received the letter few days after and completed the requested-on XX/XX/2021, the request that I submitted included all 21 hard inquires that were not factual and I received the same process for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must DELETE the disputed information from it file. The fact that I received a response withing 7 days or receipt of certified mail, one can assume that there was no investigation into this matter whatsoever. Im submitting this complaint due to the LACK of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness a consumer.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LEXISNEXIS (NC)

Lexis Nexis is reporting a dismissal XXXX to all XXXX credit agencies without ( No permission ) the court of clerks did not or doesnt report to the creditor agencies XXXX XXXX XXXX, and XXXX . It wasnt a discharge bankruptcy I never went through with the XXXX  XXXX it was dismissed
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

Today XX/XX/2023 and each month prior for the past XXXX months they pull prior to the XXXX. They dropped my score another XXXX points today due to their illegal procedures.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (PA)

XXXX has caused damage to my credit card by calling Genesis/FS Credit Card I had file a complaint on XXXX not having the correct balance as {$0.00} XXXX has a balance showing when in fact there is no balance to the sad account. 

XXXX has major issues contacting Genesis/FS Credit Card and making false claims of fraud on my account. 

I was not contacted of any fraud by calls mail or email or phone alerts by Genesis/FS Card to the matter.

In which fact caused my account to close with a {$0.00} balance.

I have also filed US Attorney complaint as a XXXX  complaint on both Genesis/FS Card XXXX XXXX as bias reckless and fair credit act as to error made on false claims.

There is no call or email or letter or digital signature of me making claims of fraud or fraud was done on my account. 

There are other complaints on XXXX not been resolved as completed with mix names address phone numbers and accounts not updated as paid off.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-08
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. (IL)

i dont have cards from these banks issued on dates listed or within 30 days check my credit report XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025
Consumer complaint received 2023-04-25
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: CBC Companies, Inc. (CA)

Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

During XXXX of XXXX and despite my account information being on the wire advice Bank of America misdirected a wire transfer payment from XXXX in XXXX to me/my XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX EIN : XXXX ) to an unrelated entity, XXXX XXXX XXXX I was able to correct the banks mistake by getting a check from the unrelated entity so there was never any correction at the bank. Subsequently, Bank of America forcibly closed my personal and business accounts in XXXX despite my XXXX years of business with the bank including a satisfied mortgage obligation. Then in XX/XX/XXXX, I was unable to open a personal depository account at the bank and the business account that I was able to open was forcibly closed by BofA on the very next day. More recently in XX/XX/XXXX, I was denied opening any accounts at Bank of America without explanation. Based o the earlier wire transfer mistake and the banks not accepting any new account for me, and my significant past business with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX of whom pay by wire transfer, I believe that several past wire transfer payments intended for me or my business were credited elsewhere that Bank of America now does not want to repay.
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-08
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. (PA)

On XX/XX/2024, I sent the letter to the credit reporting agency Equifax, and they did not respond within the 30 day allotted time frame according to Fair Credit Reporting Act with XXXX, XXXX and Equifax. I was not notified of the investigation status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete these accounts from all 3 credit reporting agencies according to 15 U.S.C 1681 section 206A & 15 U.S.C.1681 section 604A ( 2 ) ; 15 U.S.C . 1681 s-2 section 7b ( i ) time of notice. 

The additional attachments for XXXX XXXX XXXX and XXXX XXXX XXXX was to validate the debt and they were unable to do so.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (MA)

I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed. 

Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds. 

What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem. 

To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays. 

I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers. 

I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation. 

Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/2023, I responded to Synchrony Bank 's letter for a request they made to me to supply additional information for a Lowes Advantage card. The Lowes ad states no effect on credit rating. There was no effect on my credit rating until today after I refused to comply with their request to send them a video of myself. Apparently, the representative took offense to my not wanting to do a video, and after I told her to discard the application and after I discontinued the contact, she did a HARD pull with XXXX XXXX which resulted in my credit score going down XXXX points. I have several requests, I want to file a complaint with both the federal and state against the Bank, but to whom do I fill with? Second, can I file a lawsuit in small claims court? This is both malishish and resulted in the lowering of my credit standing. I am available to provide additional information 24/7 as I am XXXX I intend to contact the Bank later today and file a complaint with them seeking a correction and compensation for the loss of my time rectifying their error.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2021-08-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

BBT Mortgage loan number # XXXX. BB & T gave us a loan modification in XX/XX/2019 and informed us that while this modification was taking place to not make payments as this was my trial period, Since that worried us we asked if this would affect our loan or credit, They informed us this would not. Since this time they have reported our mortgage loan as delinquent during that time which is XXXX, XXXX, XXXX and XXXX of 2019. They lied to us and have been showing our mortgage loan delinquent since then. I called BB & T and spoke to a customer rep. that informed me they should have not reported us as delinquent because of the loan modification trial period. This is my complaint.
Consumer complaint received 2023-10-18
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 (AZ)

At the end of XXXX.Multiples unauthorized payments were allowed that i had to have rescinded XXXX Was told a XXXX XXXX dollar adjustment was made and then asked to have it taken off and they said tough luck just figure it out and pay it back. 

XX/XX/18 Was told a XXXX dollar payment I made hasnt been applied to credit limit and I asked multiple times and they said it was waiting then, on the day it was meant to paid back they backtracked and said it was even though on multiple recorded lines said it hadnt and even had me verify with the bank twice. 

I asked for a limit raise as a gesture of good will or just a credit adjustment of the misled amount to make up and they refused saying they could do nothing. 

I have been lied to multiple times over the past few days and you can request the calls.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Palisades Funding Corporation (NY)

I am filing a formal complaint against Palisades Funding Corp for the wrongful repossession of my vehicle. On XX/XX/, my vehicle was repossessed due to Palisades Funding Corps claim that my XXXX XXXX registration was suspended. However, I had already registered the vehicle in XXXX after relocating, with a valid and visibly displayed registration. 

Palisades Funding Corp employed misleading tactics, failed to explain why they needed my vehicle keys, and later demanded over XXXX car payments and a co-signer for its return. Such requirements were not outlined in my loan contract. 

Moreover, they violated my privacy by sharing my personal and financial information with a third party to facilitate the repossession. This action was taken without my consent and not stipulated in the contract. 

To continue commuting to work, I had to incur unexpected expenses due to the wrongful repossession, including {$400.00} in XXXX expenses. 

I am requesting : XXXX. The immediate return of my vehicle without a new contract. 
XXXX. A complete refund of {$10000.00} for all payments made, including the down payment XXXX expenses to get from work to home ( XXXX ) I have tried to resolve this matter directly with Palisades Funding Corp to no avail. Your intervention is greatly appreciated. 

Sincerely, XXXX XXXX