davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

My score was pulled from all three bureaus and it was reporting my student loan and now when its pulled it was wiped from my credit report and there is no score. I called the XXXX XXXX and they haven't stopped reporting my file to the credit reporting agencies. So I called to ask them what happened to my student loan they couldn't provide an answer because they are supposed to report what the creditor reports to the bureau and it is reporting accurately just not on my credit report.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company did not provide me with the adequate info to me to valid the account was mines. Between XX/XX/2023 the XXXX XXXX XXXX XXXX account was reported closed and they still didnt verify the account with my signature or verbal authorizing. They say they sent me info on the debt that i never received that I asked for proof of verification and validation on this account which I never made any agreement. 

They changed there name of the company to make this account look brand new that is misleading the item on my credit report which is a violation under the FCRA law. 
I have proof in the description below to show such inaccurate information that continues to get overlooked and bypassed. Also i wanted to state if they i owe this debt i never recieved a 1099 form from the irs to claim taxes on which is another violation
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (AL)

On XX/XX/, I attempted to obtain free annual reports from more than 10 of the companies that the Consumer Financial Protection Bureau has listed on their website but I had no luck. Each attempt turned into a process. These processes are why I'm filing this complaint. The personal and private information that these companies have are given to total strangers INSTANTLY. No hassle. No waiting. But when the individual that this information pertains to requests to view it, it becomes a highly secured better have all you t 's crossed and all your i 's dotted process. This is not RIGHT!! People who don't even know me can have access to all the ups, downs, highs, and lows of my life INSTANTLY because they paid the required monthly fee but I have to jump fences and hurdles to gain access to the same information that at the end of the day is nobody 's business but mine in the first place. I mean who gives these companies permission to rummage through court records, arrest records, billing records, insurance records, etc?! I sure didn't! They dig through your personal life and find all the negativity that they can find then have the nerve to put a process in your face when you try and find out what they are telling people about you. It's unconstitutional is what it is!! They shouldn't be allowed access to your personal business in the first place but when you sign a waiver and allow them access, they should provide the information to you as fast as they provide it to the public
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX - opened checking and money market accounts- deposited {$50.00} in cash, check for {$200.00}, and check for {$25000.00}. 

XX/XX/XXXX - received debit cards and temporary checks in the mail. 

XX/XX/XXXX - received lettered ( dated XX/XX/XXXX ) stating account was closed. Letter provided information regarding ways to receive funds. 

XX/XX/XXXX - called insurance company to request new claim check, told Truist cashed the check, it was cleared, and they have the funds. 

XX/XX/XXXX - waited 10 days, XXXXXXXX XXXX  called customer services to determine how to receive our funds back from our now closed account. " XXXX '' stated the account was in review process and she could not determine how long that would take. 

XXXX - called customer service, again, to determine how to receive our funds. Was told we needed to return to the branch and they would be able to help us. 

XXXX - arrived at XXXX XXXX branch at XXXX - waited for specialist to help us- worked with " XXXX '' who called Truist customer service on our behalf. Verified Truist is choosing not to do business with us. We asked how to get our money. We were provided the Early Warning System number and told to call Monday morning. We already know why our account was closed. 

XXXX - XXXXXXXX XXXX - called customer service, transferred to Fraud dept. and spoke with " XXXX ''. After over an hour talking ( 1 : ) 01:37 ) and being placed on hold, was told this department did not have any answer on how to retrieve our funds. Was told " XXXX '' would submit a claim ( which was already done, as we were told on XX/XX/XXXX ). " XXXX '' suggested we visit the bank again. 

Why are we being given the run-around? Truist cashed our NON-fraudulent check provided by a legitimate business and endorsed properly by all 4 parties. We understand fully that Truist does not want to do business with us, as we do not want to do business with them. Therefore, they should not keep our money.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

IN Accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account 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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th e report by more than seven year. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-06
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: CCS Financial Services, Inc. (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 
As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2023-12-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Left XXXX XXXX with proper notice ( XX/XX/2023 was my last month ) as per their modified terms and conditions, well in advance. Had difficulty as half the time the office is closed in spite of their office hours, but notice was delivered, signed and a copy handed to me well before the 60 day limit. Paid off all remaining bills I rightfully owed XXXX XXXX on the way out. XXXX unfortunately could not be delivered until the day right after my final day because of their inability to follow their own listed office hours. Received notice that I owe an extra month of rent, while attempting to threaten me into paying more. Tried bargaining with me, offered to have me just pay water and other miscellaneous utilities for a whole month instead of rent, but I still refused since its not my fault they cant keep tidy records. 

XXXX XXXX ( currently owned by XXXX ) proceeded to sell this fraudulent debt to Genesis ( Colombia Debt Recovery LLC ) who sent me a letter. Upon calling to alert them of the fraudulent nature of this debt, they talked over me with threats and insults until the call devolved. Their operator ended the call with threats to garnish my wages, and me threatening to contact a lawyer.
Consumer complaint received 2023-12-13
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. (TX)

Fact, the truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all violations. Fact, the truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has published an account they have claimed of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

on or about XXXX of XXXX i sent a request to review investigate and correct inaccurate errors in my payment history for XXXX can you send the results of your investigation adjustments you made to correct the payments and escrow account
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Absolute Resolutions Corp. (TN)

This is in regards to a previous complaint, XXXX. 

The original complaint was about XXXX Credit card not allowing me to pay off my credit card and refusing payment. This account was closed in 2021. I have not used it since then. 

After the complaint, I received a letter from XXXXXXXX XXXX managing bank, XXXX, stating that they'd now accept my payment, and I was able to pay it off in full and be done with it. I did just that, immediately paying off the balance in full. They removed the account from my credit report and listed it as paid. 

Until now, they're saying that somehow I owe {$700.00}. They've sent me another statement, and they've put it BACK on my credit report. 

It appears they have possibly sold debt to " absolute resolutions investments ''. So they accepted my payment and then sold non existent debt? 

I just want this to be done with and for them to leave alone. I thought I resolved this months ago, but apparently not
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I am writing to formally dispute an unauthorized inquiry made by Pentagon FCU-XXXX, which appeared on my XXXX Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiry by Pentagon FCUXXXX has XXXX affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to Pentagon FCUXXXX. 

I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation. 

I request that XXXX conducts a thorough investigation into this unauthorized inquiry by Pentagon FCUXXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.
Consumer complaint received 2023-08-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I tried to sell the house previously, but it was reported at court as if I had a XXXX mortgage taken out on it ; XXXX got appraised at XXXX. My mother got sick, and she's on hospice currently, so I thought it would be good to have tenants and pay everything. They up and left, no 30 day notice, no nothing. So I hired a cleaning company, the assessment, cleaning, trash removal, etc. That said local company, instead, they MOVED IN. I have informed the mortgage company every step of the way, including the lawyers, and was told to wait, until we can all reach an agreement. I have made an insurance claim for my house, for stolen belongings, property damage, vandalism, theft, and worst of all, them impersonation a federal employee. Due to the squatters being in my house, having to e-file from XXXX, having the extra XXXX ( from XXXX to XXXX ), the payments were missed. I've lived at this address for XXXX years now, no issues. Since I had left, got fines and warning letters from the HoA, due to their irrefutable behavior. The mortgage company said XXXX thing over the phone, and completely different outcome over the phone. I just got the court date letter, with the court date, as wellad a letter informing me of accelerated foreclosure process beginning. Although I stayed in the house for the last XXXX weeks since I got back, fixed it where it needed, and cleaned iaw. Law required, they won't help. I need help, please help... 
The mortgage company is not giving me the option to pay the monthly mortgage and add partial from what I owe, but rather pay it all at once, no other option to work with me. I am a XXXX XXXX  veteran, single mother, and started a business last month, so I could pay XXXX, and pay off the mortgage within XXXX  years. My credit score is very poor now, also due to this being reported to the credit bb and affecting everything else as a snowball effect. I am not being given the chance to remedy as I can as I am able to, for it is impossible for someone to get legally XXXX, and pay off whatever is owed, to get it up to date and avoid foreclosure ( accelerated, since they know it's a profit margin of XXXX, if sold right now ). Please help, please advise, I am willing to do whatever it takes, to save my house, and to stay, in my house, not to be forced to leave, after I had just saved it from being rebuild, due to the damages caused by the squatters
Consumer complaint received 2023-12-13
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)

Experian closed XXXX complaints without having addressed any of the problems and once again experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back but as usual experian gives explanations that are useless and have absolutely nothing to do with the problem
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX TRANSUNION ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX EMPLOYERS : 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!