davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (IN)

I stayed with Truist bank because i was going through a hard time catching up with bills and would occasionally have to run negative for a few days until my next paycheck, i stayed with them because they advertised that they had to overdraft fees, over the course of the last 6 months, they have charged me {$1600.00} in overdraft fees, sometimes XXXX a day. My account was negative $ XXXX {$70.00} after paying LAST months rent. A few days ago now i am negative {$340.00} as of this because of just overdraft fees, I am about to be evicted ( my apartment sends a 10 day eviction notice after 3 days of being late on rent ) and lose my car and I don't know what to do, their hold times are sometimes 30 mins to a couple hours and when i get ahold of someone they are absolutely no help and tell me theres nothing they can do. They pretend to care and have this comforting persona right before telling you how much I'm out of luck. I cant believe this is how they do business, slowly losing everything. They take advantage of you at your lowest point and make it even harder to live. I have been playing catch up since this whole thing started and i just simply dont make enough at my FULL time job to balance out their extreme overdraft fees. 

Totally aside from my main concern but still a SERIOUS issue, one morning i woke up with {$300000.00} in my account, feeling like my prayers had been answered, moments later my account was negative {$600000.00} they had deposited someone else {$300000.00} check into my account for a gentleman named XXXX, ( my name is XXXX, not XXXX ) They froze my account for a week, then didn't say anything to me, when i showed up to the bank confused, and angry, account negative {$600000.00}, all they did was apologize and say they would refund the overdraft fee. Also, they left the check on my mobile app showing all of this guys account information ON MY ACCOUNT.. most likely not telling them they have given some complete stranger his retirement check and GAVE ME HIS ACCOUNT INFORMATION. All of which i have screenshots of this whole process. If that had gone to the wrong person, this poor guy could have had all of his money taken. Extremely unprofessional and dangerous. Not to mention this went down right before my car payment and insurance payment. Couldn't use my account for a week..
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

experian, XXXX and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$16000.00}.
Consumer complaint received 2023-08-15
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. (PA)

According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, TransUnion and XXXX, have gone unanswered. These reporting violations are causing my family and I financial difficulties.
Consumer complaint received 2023-08-28
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. (CO)

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following hard inquiries currently showing and listed on my XXXX, XXXX and Trans Union credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum (MS)

I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services, a collection agency. They are misrepresenting themselves as a legal agency and are using threatening tactics.
Consumer complaint received 2023-12-20
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

FCRA 605 ( 15 u.s.c. and 1681c2 ) block of information resulting from identity theft. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report. I have informed all parties of their individual violations and seek immediate removal and proof of validation at once.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been made aware of recent hard inquiries on my XXXX  and Experian credit reports that I believe to be fraudulent. 

XXXX  : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with XXXX and am awaiting the fraudulent inquiries to be stricken from my credit report. 

Experian : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with Experian, and am awaiting the fraudulent inquiries to be stricken from my credit report.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, XXXX, and Equifax. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (LA)

XXXX : XXXX I informed the sales representative that XXXX XXXX passed away on XX/XX/23 regarding this above mentioned account. I submitted his death certificate. I have XXXX notices from TSI for the amount of {$350.00} for a bill with XXXX. I have XXXX and this lends credibility to my case with XXXX as well because this supports that the equipment was in the home located XXXX XXXX XXXX, XXXX XXXX, LA XXXX. 

I spoke with XXXX XXXX customer service, XXXX XXXX ( supervisor ) and XXXX XXXX ( manager ) for XXXX on XX/XX/23 ( New Jersey ) staff. At the time I was offered a rewards visa, free equipment, discounts based on the fact that XXXX XXXX was a loyalXXXX customer and no money down at the time of installation. I was offered an annual fee of {$570.00} instead of {$1000.00} due to XXXX XXXX being a loyal XXXX customer, A Veteran and that his mother which is my grandmother being XXXX  years young. I was charged {$120.00} at the time of installation or reprogramming of the equipment in the home and then multiple charges for {$59.00} for XXXX and {$67.00} flex pay for equipment monthly. 
I found that the verbal contract was changed, there are third party or contractors for XXXX, Again a flex bill even though the equipment was alreadyin the home of XXXX XXXX, a XXXX  cam and nest was added. XXXX XXXX will not be paying this bill as he is deceased nor will my XXXX XXXX XXXX XXXX XXXX. As for myself, I can't wait until this contract with XXXX is over because this is an agency who does not mind lying to get a person sucked into their services as evidenced by the 75 % -90 % cancellation charges and changes in the contract. So again for clarity the equipment was in the home with the exception od the XXXX  cam, nest and I was promised a thermostat but the young man from XXXX XXXX did not have the part and stated he could come back with the thermostat. No flat screen was installed because it was already in the home and I have spoken to so many reps from XXXX and I submitted a Notice to Dispute certified mail to XXXX. 
So my complaint is two-fold XXXX is deceased and this bill was sent to TSI ( creditor ) and my complaint against XXXX for deceptive advertisement and practices. XXXX is predatory in nature because my grandmother is XXXX XXXX XXXX so I had to set up services for her to feel and be safe. XXXX really sold the family concept and appeared to be compassionate but this is the furthest thing from the truth. Buyer Beware Caveat Emptor.
Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Assist (CO)

I started out owing at the time of my graduation in XX/XX/XXXX around {$38.00} to XXXX in student loans and was unable to pay the debt as I was recently divorced and raising a child making XXXX a year and XXXX wouldn't do anything to help with the payment. I was offered forbearance which didn't last and was forced into collections in mid XX/XX/XXXX under the loan rehab program which I was barely able to pay while being a single parent and finalizing my divorce. In an effort to keep my head above water due to lack of decent paying jobs in my area I continued to put my loans in forbearance and no mention of any other ways to receive any assistance from XXXX only threats to pay or be taken to collections and have my taxes garnished. And over time in XX/XX/XXXX my credit has been poor from these loans and lack of decent paying jobs which I went to school for my loans went from $ XXXX in XX/XX/XXXX ' to owing $ XXXX in XX/XX/XXXX of this year. I have looked into IBR but to have a nearly $ XXXX bump in interest from one month is egregious. And XXXX and it's associates college assist should be investigated for nefarious collection practices and interest hikes on student loans.
Consumer complaint received 2023-12-20
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)

Everytime I dispute my report that my XXXX Finincial Account balance and payment history is incorrect,, nothing is corrected from the dispute or even when I personally contact them they still don't correct it.
Consumer complaint received 2023-12-20
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. (TX)

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.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc. (OH)

On XX/XX/XXXX I received a credit alert saying an collection account was added to my collection file. I never received a letter or phone call saying my account was late or that it was in collections. This is for a timeshare maintenance fee from last year that I was a cosigner on in 2010. Additionally when I call Aspen National to discuss the person I spoke to was rude. I told him i would talk to my lawyer to discuss the legality of this being added to my credit. Several times he stated I didn't need a lawyer or " if you hire a lawyer you are still going to owe {$830.00}. Finally, he hung up on me.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

Experian is reporting a lease under the name XXXX and says I'm behind and the total balance is XXXX I've done business once with XXXX  and I paid it off and that is showing on my report I have no idea what this other account is it's not mine I've disputed this account and asked for proof I have not gotten any results back but it says on my report that it's verified as accurate.
Consumer complaint received 2020-04-23
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. (MS)

Company refuse to investigate and provide a copy of the original sign consumer contract. I have recent complaints on here that has evidence of the failed investigations XXXX responses that I have gotten ). This is improper use of my report. I will seek litigation.
Consumer complaint received 2023-12-20
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. (NM)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX 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 2024-05-13
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (VA)

The company began calling in XX/XX/year>. They called XXXX times A DAY. When I tried to call back, no answers or voicemail. Finally, spoke to someone. I stated I never received any communication and needed it to be sent to me. She proceeded to yell at me that I was just trying to get out of the debt. She asked who worked for vitamin shoppe and said shed be calling them next. Then hung up on me. Several times I said I simply wanted the information sent to me and I had the right to validate it. I called back and asked to speak to someone different. They confirmed my address ( as I had moved and they could see that and my mail was forwarded ). She said it would be sent. Still I havent received anything. I have received no letters. I have received no documents that I have requested. The harassed with phone calls XXXX times a day. They XXXX XXXX  call employers. But yet they will not mail me ( or any of the co-signers ) documents requested to verify the debt.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, Experian, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.