davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Good day, I have a credit card with Fifth third bank. My credit card reports to the credit agencies every month on the XXXX. My account was reported twice in 30 days to credit agencies to XXXX and XXXX which is not correct. My credit score dropped XXXX points due to system error or manually inputted incorrectly. XXXX is the only one reporting correctly. 

I spoke with a supervisor at fifth third and she said she did not see my account reported on the the XXXX of XXXX and she would open an investigation to see if or why it was reported. However, my credit score dropped do to their system error or it manually being inputted in the system.

I also spoke with two representatives from Fifth third and they did not know or understand due to not speaking clear XXXX and one saying that there is nothing that can be done. Also she said they can not change nor update anything.

I've never been late nor missed a payment on this account. I also spoke with all three credit agencies and XXXX and XXXX states that Fifth third reported to them. I feel discriminated against due to my race and credit from a banking company. 

I know that credit updates on reports are only updated once a month not twice within 30 days. This is hendering my quality of life. So I would like this issue to get resolved as soon as possible so my points on my credit is corrected and I can continue to pursue my quality of life as the next person. 

Can someone please assist me in getting this issue corrected. Please advise. 

Best regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (NY)

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  and 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
Consumer complaint received 2020-05-17
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. (VT)

Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school 16 years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with 16 years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-01-12
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. (VA)

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it 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 on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, XXXX, XXXX XXXXXXXX INNOVIS is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Consumer complaint received 2023-09-24
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. (MS)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts 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 Equifax XXXX XXXX XXXX XXXX XXXX Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ENOVA INTERNATIONAL, INC. (NV)

Remittance transaction to Pangea XXXX XXXX XXXX of {$500.00} to XXXX XXXX to a bank account with XXXX, on XX/XX/year>. The amount was taken from my Checking account with XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (UNITED STATES MINOR OUTLYING ISLANDS)

I was alerted through my credit card watch that an unauthorized hard inquiry was completed on my credit report without my consent. I did not authorize One Main Financial to process any credit checks on my behalf. I have never had any dealing with this company. 

I called their customer service number on XX/XX/XXXX who forwarded me to a local branch based on my zip code. I spoke with two different agents who claimed my information was not found in their system despite their company information showing on my credit report. 

I was advised to contact the credit companies with my concerns. The inquiry on my credit report shows as follows : ONEMAIN FINANCIAL Inquiry : XXXX. XXXX, 2023 - Finance/Personal ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-12
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: SYNCHRONY FINANCIAL (NY)

Purchased {$1200.00} in goods from XXXX stores of XXXX FL and XXXX provided tracking with delivery info but XXXX never delivered the items. Instead said left with neighbor. Problem is two fold 1. I never authorized them to leave with neighbor. I checked with ALL neighbors and no one got the packages. 
2. XXXX can not say with whom ( a person 's name ) or WHERE ( which address ) packages were left!! 
Therefore delivery has to be declared LOST and my {$1200.00} dollars refunded to me. 
There is Insurance on this delivery and merchant REFUSES to help!! Did not even require a signature and the amount is HUGE!!
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TN)

XXXX XXXX is restricting outbound ACH transactions to {$2500.00} per day ; however, they do not limit inbound ACH transactions. In order to receive the funds via ACH, I would have to login and submit SEVEN separate {$2500.00} daily distributions over the course of 7 business days! They told me they could not process a larger ACH by phone either. Security should not be the concern as I have already verified my bank account through their system, and they can further verify my identity over the phone. 

They get the benefit of holding my funds for longer than they otherwise would -- all the while they are generating additional revenue from investing my funds while only paying me 0.15 % to 0.05 %. For reference, XXXX XXXX XXXX XXXX XXXX fund ( XXXX ) is currently showing a 7-day yield of 5.06 %. This practice is clearly predatory and design to retain funds longer and boost XXXX XXXX XXXX  assets and revenue at the consumer 's expense.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (OR)

A checking account was opened online by someone other than me in my name using my home address, and email address, but in speaking with the agent from Citi, the last 4 of my social do not match the account. 

I started receiving emails about this an called Citi. At first they said no account existed and to disregard as phishing scam. 

I then received a debit card in the mail and called Citi directly. They blocked and closed the account.
Consumer complaint received 2023-09-25
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. (FL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX and XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
Kindly update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

There are several inaccuracies on the personal information section of my consumer report. The first inaccuracy is the name. My name is XXXX XXXX every other reported name is not me and can lead to identity theft. Next, my address is also incorrect. There are several non mailable addresses that should NOT be reporting as I do not live there nor have I ever lived there. The correct address is in the attached letter.
Consumer complaint received 2023-09-24
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 (KY)

-In accordance with the fair reporting act " XXXXXXXX XXXX  has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP (WI)

On XX/XX/2023, I opened an account with Ameris Bank and used an external bank to fund the {$100.00} initial deposit. Also on XX/XX/XXXX Ameris Bank closed my account due to not meeting their risk profile. On XX/XX/XXXX my external account was debited the {$100.00} to fund the already closed account. I called Ameris Bank regarding this on XX/XX/XXXX and I was told that I would receive that money back the next business day. On XX/XX/XXXX after still not receiving the money back I was told that they would not be able to do an ACH transfer and would instead mail a cashier 's check to the address on file. Ameris Bank had tried calling but whenever I would answer there would be no one on the other end. As of today, XX/XX/XXXX, I still have not received any cashier 's check from Ameris Bank
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I have previously filed dispute # XXXX with the CFPB. I believe Wells Fargo will try to claim this is a duplicate dispute but it is not. My previous claim mentioned fraudulent charges that were made through the money wiring services of XXXX and XXXX via accounts set up in my name with information stolen from me by scammers. These wire transfers were sent to people I have no connection with in different countries. Wells Fargo only addressed and reimbursed me for the fraudulent charges made via the wire transfer service of XXXX. This dispute relates to the fraudulent charges sent through the wire transfer service of XXXX which were not reimbursed. The fraudulent wire transfers totaled to the amount of {$5900.00}. These wire transfers were sent on XX/XX/23 and XX/XX/23 to the recipients of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. I have this information because the XXXX account was set up in my name by scammers who stole my personal information and identity. I did not authorize these charges in any way. Wells Fargo should be reimbursing me for these fraudulent charges.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account.

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, TransUnion, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX
Consumer complaint received 2023-09-24
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: ENCORE CAPITAL GROUP INC. (IL)

I had a XXXX XXXX credit card which I used frequently. I became XXXX during the pandemic and had to stop working. My XXXX XXXX payments were delinquent and XXXX XXXX sold my account to a third party collection agency who were extremely aggressive and disrespectful to me over the phone. I asked the representative to help me pay a lower amount to use whatever workout plan that Midland had for customers who were in hardship from the pandemic. He said they do not have any such thing but could offer a discount of only 10 percent if I paid XXXX XXXX monthly. I was unable to keep up and the 10 percent was placed back on my balance. They sent me a schedule to pay XXXX dollars per month for 18 years. I can not afford this either.