davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (NC)

From XX/XX/2024 to XX/XX/2024, a debt collection company called XXXX, XXXX, and XXXX called me XXXX times from an automated number saying they have a legal matter that requires my attention. On the XXXX attempt, I decided to pick up. The lady that answered the phone, XXXX XXXX, informed me that there is an outstanding debt against me. I asked several questions trying to get more information but she continued to deny providing it. She threatened freezing all of the accounts associated with my social and that a XXXX would show up to my residence to serve a legal notice. I requested a few hours to research the validity of the debt. I was not able to find any record of the debt nor has anything shown up on my credit history for the past XXXX  years. When she called back ( XXXX call ), I informed her that even if the debt existed, the statute of limitations of the debt had been exceeded. She immediately threatened freezing accounts and law enforcement intervention and hung up.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (VA)

I hope this message finds you well. I am writing to address a matter related to a financial hardship I experienced recently. Upon reviewing my credit report, I noticed that you have charged off items ; however, I have not received a 1099 for this particular transaction. 

XXXX XXXX XXXX  XXXX FNB Omaha FNB Omaha Child support In light of this, I kindly request that you provide me with a 1099 for the charged-off item at your earliest convenience. Having accurate and complete financial documentation is crucial for my records, especially considering the challenges I've faced. 

Your prompt attention to this matter is greatly appreciated. I am eager to resolve this issue and ensure that all necessary documentation is in order. 

Thank you for your understanding and assistance.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a card online and received a confirmation of application. American Express emailed me the notice attached to this complaint which did not contain the terms of the agreement, a link to details, or anything of the sort. I clicked the link with the expectation that this would lead me to an offer details page, terms of the credit card agreement, or similar. Instead, after clicking the link it just stated that everything is complete and my credit card is on the way. 

I contacted the company and they responded that all they could do is cancel the card. Meanwhile, I have a hit on my credit report, etc. 

I found their practice to be highly deceptive, without clear disclosures of what I was signing up for.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting a collection account on my credit report ( US Departmetn of Education acct # XXXX ). This XXXX XXXX XXXX account was moved to XXXX XXXX and placed back into good standing due to the government 's Fresh Start Initiative which places the account back in good satnding and removes the negative information from the credit report. Both XXXX and XXXX have removed the item but Equifax has not.
Consumer complaint received 2023-11-17
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. (IL)

XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

It is now extremely obvious that experian is damaging my credit on purpose for retaliation for these complaints. The pic I am submitting as evidence clearly shows that according to experian own website that XXXX is recurring payment
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.
Consumer complaint received 2023-11-17
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)

I

n 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.

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 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CA)

XX/XX/2023. I lost my job due to contracting COVID-19 since then I have been unemployed. I have no source of income currently. I informed AVANT of this information back in XXXX. The representative that I spoke with submitted a The representative that I spoke with submitted a waiver for the late fees, and a request for me to be on a hardship plan. On XX/XX/XXXX I received an email from AVANT stating that my late fee waiver request has been denied. Not only did they not waive my late fee, they also reported the late payments to my credit bureau. My credit score has dropped over 100 points. There's nothing that I can do about losing my job due to contracting COVID-19, this company is moving unethical and I would like this situation to be handled immediately my credit report needs to be fixed being that the law was passed specifically for consumers to protect us and that is my right I am protected from the cares act and 15 U.S. code 16812 ( F )
Consumer complaint received 2021-07-07
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. (OH)

There is a student loan on my credit report that does not belong to me. The loan was taken out in my name on XX/XX/2019, U.S. Department of Ed/XXXX for a total of XXXX in a school in XXXX Wisconsin. In a state I have never lived in or gone to school in.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (IN)

I have had a PNC credit card for years. It is set up for automatic payments. As far as I can remember, I have never missed a payment. today I tried to use the card, and it was declined. The card had not expired, according to the date on the card. I went to the website and saw nothing about the card being declined. I tried the chat rep ( XXXX XXXX ) and she said PNC had no record of a decline. Meanwhile, I noticed there were two accounts listed on the site, not the single account I was familar with it. One account was marked " closed '' but I never closed my account, nor did I apply for a new one. It appears PNC replaced my old card with a new one, for no evident reason. Worse, it appears they transferred the balance on the old card to the new card, which I never authorized. Worse still, they did not set up automatic payment on the new card, and it is now past due with finance charges. I never authorized this new card, nor did I receive notices or statements. It appears to me PNC is churning cards to force fake finance charges I was given no notice or warning of any of this, and XXXX XXXX could not or would not give me any information. She asked me to call ( XXXX ) XXXX. I tried that, but all I could get is a series of recorded advertisements. I tried to click through the ads, and the call was dropped.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (IL)

In XXXX XXXX XXXX, I reached out to Equifax via mail to dispute inaccurate information that was contained within my credit report. I got no response from Equifax at the time and nothing was resolved. On XXXX XXXX XXXX I sent Equifax another letter, this time I sent it via Certified Mail. They are ignoring my letter and are sending me stall letters in return stating that they need me to send them a copy of my drivers license and social security card - THESE WERE ALREADY SUBMITTED WITH EACH OF MY PREVIOUS CORRESPONDENCES TO EQUIFAX. As of XXXX, they are still reporting all inaccurate information that was originally disputed- even though I have sent them PROOF that there exists an error on there part. They are willfully neglecting their duties as a credit reporting agency and data furnisher as described in FCRA Law.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602, states I have right to privacy. 15 USC 1681, action 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment in a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-11-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (HI)

A collection showed up on my account. It was {$110.00}. They said it was an old cable bill. Quite possible. I went through a divorce. Mind you I never received any notification that I owed this From Transworld systems. Nothing ever. It was a small amount I thought pay it and be done with it. Bad choice on my part. I asked if they would provide me a receipt. I asked at least twice. This was XX/XX/2023. She said yes XXXX hours. Couple days go by no receipt. Called on XXXX XXXX said it would be XXXX days. Called XXXX XXXX XXXX days. Same story asked for supervisor said theyve sent request XXXX days. To make a long story short called every day ( 5 days ) to get receipt. They always said it was a different department and it would be XXXX days every time. I pay a credit card bill get a receipt in XXXX seconds. They dont want to provide a receipt. My guess is if I cant prove I paid it they can try to collect later or sell the debt to another collection company. It is a systematic effort to not provide a receipt. Wasted so much time on my end.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (GA)

I applied for a credit card from Truist Bank and I was denied due to what I believe was clear discrimination against me the adverse action taken against me has cause me XXXX and XXXX XXXX I operated in good faith and was discriminated against as well as my federal protections under numerous federal laws were clealy violated
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

My accounts at XXXX, XXXX XXXX, and XXXX XXXX were hacked into and fraudulent Zelle payments of {$25000.00} were made over the course of 2 days on XX/XX/23 and XX/XX/23. I can not believe the lack of security at all these financial institutions and particularly Zelle to allow unknown payees to be added and so much money to be stolen in a short period of time. There was no precedent for these types and velocity of transactions. XXXX XXXX the most effectively, while XXXX had me on hold for hours and hours just to be able to report the claims. As of now, I am still out {$20000.00} between XXXX XXXX and XXXX.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

World Finance keeps reaging this account and fraudulently increasing the balance on a charged off account. Due to the reaging and increase in balance the information being reported is inaccurate as well as fraudulent since this account has been written off. My FDCPA and FCRA rights have been violated
Consumer complaint received 2023-11-17
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OR)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX company has come to my attention that you illegally reported my information to unaffiliated 3d parties without giving me my disclosures Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal Information on for a nonaffiliated third party unless.

( A ) such financial institution clear and conspicuous discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this file, that such information may be disclosed to such third party. The consumer is given the opportunity. before the time that such information is inifially disclosed, fo direct that sun information not be disclosed fo such third party : and ( C ) the consumer Is given an explanalion or now the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by federal. 
XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2020-07-28
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. (AR)

I have the app XXXX  XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.