davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX is reporting a false, unvalidated account on my credit report. I sent them certified letter on XX/XX/2018. To which they responded with their own account summery with does not meet Fair Debt Collection Practices Act requirements for validation of debt. The did not provide any proof of any signed agreement I had the the alleged original creditor. 

Not only did they fail to validate this debt with in 30 days as required by law, they also took collection activity by adding erroneous accounts to my credit report. 

I also sent them a SECOND certified letter on XX/XX/2018 to which they have ignored.
Consumer complaint received 2023-10-10
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. (IN)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2018-08-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX   XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX   monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-04-09
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. (MI)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to Experian which I have a paid service, it shows XXXX, XXXX XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act.

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken.
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, I received my Equifax consumer report Confirmation # XXXX. And Equifax is still report Bankruptcy Public Record that was supplied to them from XXXX XXXX XXXX XXXX. I have never gave XXXX my written permission to report anything on MY consumer report. ITS NOT XXXX XXXX REPORT ITS NOT MY CONSUMER REPORT AND NOTHING CAN BE REPORTED TO MY COMSUMER REPORT WITHOUT MY WRITTEN PERMISSION. I have already put a freeze with XXXX and have made request to opt out request. The UNITED STATES BANKRUPTCY COURT does not report to any credit bureau - see the attached letter from united states bankruptcy court ... Any XXXX XXXX has violate my privacy right according to Privacy Act of XXXX.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I found out on my business checking account the charge of {$14.00} on date XX/XX/2023, another on XX/XX/2023 and another on XX/XX/2023, Bank of America requested to fill up an unauthorized ACH Return form, that I did on XX/XX/2023. After that Bank of America refund XXXX of XXXX charges and send me a letter saying that the third one could take up to XXXX days to outcome. How Bank of America let another company withdrawal any amount from a checking account without a writing authorization for that?.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (TX)

Dear Sirs ; I requested a funds transfer from the investment firm Fidelity XX/XX/2023 in the amount of {$650.00}. I had several auto draft payments which tried to clear around XXXX XXXX  on the XXXX. PNC gives you 24 hours to get money transferred before they charge you an overdraft fee. At about XXXX XX/XX/2023 the transfer of funds had not posted to the checking account. I checked again at XXXX XXXX the transfer from fidelity had still not posted to the account. At XXXX the transfer of funds finally posted to the checking account. Along with the posting of the transfer came TWO overdraft fees of {$36.00} dollars each. I called the local branch first and was told they would put the information in the computer and see what it said. I was told by the representative at the branch the computer denied the reversal of any of the fees and I asked if even one of them could be removed and was told NO. 

I also called the Executive Client Relations line and spoke with XXXX and got the same answer I will see what the computer says. She said the computer said NO. 

I had this problem before in XX/XX/2023 and was told they would not charge me any overdraft fees as long as it was not a debit card use or a check tried to clear and not charge any overdraft fees, because I had no control over any ACH drafts which were trying to clear. 

I was told today they never heard of such. I am a Senior Citizen and have a hard time as it is. In XX/XX/2023 they were charging me overdraft fees because there system always delayed the posting or giving me credit for the SS check being there but taking over 24 hours to post and showing a credit for the amount SS sent to the bank. PNC still does this they will show the SS check posted but funds are not immediately available for 24 hours. The bank reps have told me they do that because the check may not be good??? They do any transfers from Fidelity the same way. PNC just refuses to take off the {$72.00} charged. 

I appreciate your assistance in this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-04-09
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. (NJ)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Include the documentation that was used to verify the dispute. AS THIS IS MY SECOND WRITTEN REQUEST!!!! YOU ARE IN VIOLATION!!!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TX)

I paid off all of my debts in XXXX of this year. During the summer, I started receiving multiple calls everyday from Allied Interstate, even after I blocked several of the numbers they called from. I asked them to verify the debt amount and source to no avail. I told them I have no debts on my credit report ( other than federal student loans which are currently in deferment ). The information was still refused. They also keep referring to me by my maiden name which has not matched my SSN or DL for two years now. I have no idea why they are calling and would like them to stop.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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 2024-04-09
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX to send me a 1099-C since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on XXXX. I have previously disputed with XXXX, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. Transunion is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with XXXX and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time XXXX XXXX XXXX XXXX and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Consumer complaint received 2023-11-29
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: CITIBANK, N.A. (NJ)

There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. 

XXXX. XXXXXXXX XXXX XXXXXXXX request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. Citibank NA, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. 

I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.