davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (MO)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PR)

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The account are : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-12-12
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. 




Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act XXXX, s21c and Unsolicited Goods and Services Act XXXX, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have spent at least 5 hours navigatinf Transunion 's circular, Of shore, hard to understand Customer Service and can get no clear answere has to why there was a XXXX point over night drop in my dredit score based on no new information. I even " joined '' there " service '' for {$58.00} to try to find answers, which provided no help.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute inaccurate information that XXXX XXXX XXXX # XXXX is reporting on my credit report. This letter serves as my official complaint regarding the erroneous account information that is negatively impacting my credit score and my overall financial well-being. 

I have recently reviewed my credit report and identified that XXXX XXXX has listed an account for which I am not liable. This account does not belong to me, and the information being reported is entirely inaccurate. I am aware of my rights under XXXX XXXX Code XXXX, which guarantees that I am entitled to have only accurate and verifiable information included in my credit report. 

Despite my attempts to resolve this issue directly with XXXX XXXX, the erroneous information remains on my report. This ongoing inaccuracy constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the Consumer Financial Protection Bureau intervene in this situation and take immediate action to ensure that the inaccurate information reported by XXXX XXXX is deleted from my credit report. This erroneous entry is causing undue harm to my creditworthiness and financial reputation, and it is imperative that this matter be resolved promptly.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on XXXX of {$300.00} in 2024. And they are reporting to XXXX gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g XXXX XXXX XXXX XXXX for their Branch MOS/Job title and sharing that information to other persons for monetized gains unlawfully.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN FLORIDA.

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
Consumer complaint received 2022-12-12
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. (CA)

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (OH)

A couple weeks back I received my investigation back from Equifax, which states you completed a fair investigation and these accounts are 100 % accurate. How did you investigate these accounts? According to the FCRA 15 U.S. Code 1681a this is how you're supposed to INVESTIGATE MY CONSUMER REPORT. Did you interview my neighbors? Did you interview my family and friends? Who did you speak with ( Names, dates of contact ( s ) ) Not to mention Equifax DID NOT send me ANY documents or paperwork showing these accounts are 100 % accurate and validated. Equifax has violated multiple laws ( listed below ) 15 U.S.C. Code 1681, 15 U.S.C. Code 1681a & 15 U.S.C.Code 1681i I demand you delete these accounts from my credit report, I have listed below : XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

XX/XX/2024 Members of the US Senate Committee on Banking , Housing, and Urban Affairs Fax No. XXXX Attached are copies of four letters that Ive sent ( by certified mail ) to Capital One in the past 2-1/2 months ; also attached is an unsigned letter from Capital One dated XX/XX/XXXX which I received yesterday ( this letter is the first and only communication that Ive received from Capital One in response to my numerous queries ). 
Candidly, I did not think it possible that any bank could be allowed to function in this manner. 
I would greatly appreciate your consideration of this matterthank you, XXXX XXXX XXXX CP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Attachments ( signed letters to Capital One dated XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024, and an unsigned letter from Capital One dated XX/XX/2024 ) CC : XXXX XXXX XXXX, XXXX Capital One Senator XXXX XXXX Senator XXXX XXXX Representative XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with unfairly.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-07
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. (TX)

Equifax, XXXX, & XXXX were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Consumer complaint received 2022-12-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I mailed a dispute letter to TransUnion. They replied with a letter suggesting that I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent my letter. Please tell them to provide dispute results.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I received my daily balance notification from Regions Bank and realized my account was lower than expected. After checking, there was a charge from XXXX for {$550.00} on XX/XX/22 that I did not authorize. I contacted XXXX and Regions but due to it being a pending charge the only thing I could do was get a new debit card and wait for it to post before disputing it. I was told it would post on Tuesday so call Regions and go through the steps. I put a hold on my new debit card account so no further charges would be authorized via online payments. My initial dispute was denied due to Regions stating XXXX saying I authorized the claim, which is not valid. I appealed the claim on XX/XX/XXXX. Since XXXX, I have made multiple calls to Regions and XXXX to get my money back because I did not authorize that charge. I have 2 charges in XXXX from XXXX about {$110.00} each when I assisted my sister with her bill but those are the only 2 charges I made and it was in XXXX. I provided information to both companies with proof of my authorized charges in XXXX and that it was not from her account in XXXX. I have provided proof that my personal XXXX account is connected to my Bank XXXX XXXX checking account. XXXX offered to refund the money back to the card that was used but I no longer have the card and they can not refund the money to my new card. I have spent a lot of time trying to resolve this matter. I do not know the person who obtained my debit card information as I stated to XXXX and Regions multiple times. XXXX could not even tell me what they offer is worth that much. believe my information was copied when I went through a fast food drive-thru in XXXX on XX/XX/22 because that is the only time I handed my card to someone else.
Consumer complaint received 2023-09-04
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (MI)

XX/XX/ I entered into a consumer credit transaction with SALLIE MAE BANK for an extension of credit in the amount of {$10000.00}. I received adverse action in a notice dated XX/XX/ informing me of this decision. After careful review, I believe that this denial is in violation of the Equal Credit Opportunity Act. As my application ( secured collateral ) was received. I certified mail sallie mae bank a counteroffer letter dated XXXX
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (TX)

I opened a Rewards Checking account along with a personal credit line with Upgrade, after clicking through to this offer from XXXX XXXX : https : //www.upgrade.com/funnel/pcl/preapproved? utm_source=credit_karma_card & utm_medium=partners_linking & utm_campaign=ita & utm_content=rcwb500 I completed all the requirements ( including the three debit card transactions ) on XX/XX/XXXX, but did not receive the {$500.00} bonus. 

I finally emailed on XX/XX/XXXX to ask when I would be receiving my {$500.00} bonus. After not hearing anything for 11 days I emailed again on XX/XX/XXXX. 

A customer service rep named XXXX XXXX  from Upgrade responded that I would have to phone " Due to the nature of your request and for the security of your account ''. 

I phoned and spoke with another customer service rep on XX/XX/XXXX. 

I was told that the {$500.00} bonus offer was " not guaranteed '' and that " not everybody who fulfills the requirements will earn it ''. 

He confirmed that I had indeed opened the XXXX  Checking account and performed 3 debit transactions and was eligible for the bonus but there was " nothing he could do '', and " no way to run this up the chain ''. Despite my following all the steps and fulfilling the requirements that I would not receive the bonus and that I had no recourse. 

He directed me to the www.upgrade.com home page and told me to read the fine print on the bottom. He said it was all laid out there that this was " only an offer '' and that " not everybody who completed it would get it ''. He said it was " a XX/XX/XXXX chance '' whether or not you received the bonus. 

I read through all the fine print and nowhere does it state that once the requirements are met that there was still some arbitrary process of approval or non-approval. It states the following : " ** To qualify for the welcome bonus, you must open and fund a new XXXX  Checking account and make 3 qualifying debit card transactions from your XXXX  Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade XXXX  Debit Card Agreement and Disclosures for more information. Your Upgrade Card and XXXX  Checking account must be open and in good standing to receive a bonus. If you have previously opened a XXXX  Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers can not be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the XXXX qualifying card purchase. '' I emailed XXXX XXXX again on XX/XX/XXXX asking if the information I'd been given over the phone was accurate, as it felt like a bait-and-switch given that I had complied with all requirements and was then denied the bonus for no reason. 

I have heard nothing further from Upgrade.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a heloc at penn fed credit union XXXX. I have no prior business with this credit union. My application was denied. two months later i receive in the mail a statement showing my " new savings account '' that i did not open and it had {$5.00} in it. This is gros misconduct and terrible. Still doing the same thing like wells fargo. I dont care if they put it in the language of a 50 page disclosure, its wrong and terrible. Please do something. I am a very intelligent business owner for 25 years running an insurance agency. I did close the account with the bank, but they were not helpful at all only referred me to website. Im in process of rebuilding my credit and this doesnt help me. 

thanks you. 
XXXX XXXX XXXX florida
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My student loans with XXXX were discharged ( paid in full ) on XX/XX/23. XXXX, a CSR at XXXX informed me that the credit bureau would update all ( 3 ) credit bureaus in XX/XX/2023. They also provided written documentation regarding the status of the loans for record-keeping purposes. Upon reviewing my Equifax credit report, the debt was not updated and continues to reflect a balance. I contacted Equifax and shared that my loans were discharged and requested to have the account updated and was instructed to open a dispute as well as provide any supporting documentation. I have spoken to several CSR at Equifax and requested multiple times to have this account updated as well as provided discharged notice that reflects the account has a {$0.00} balance. Upon return of the dispute, Equifax did not update the account to reflect a XXXX XXXX balance and paid in full, rather the dispute returned with the following comment account has been reported correctly Following, I contacted Equifax again and was informed that they use a system to obtain information regarding accounts and that they do not contact the creditor directly to verify the supporting documentation that was provided. Each time I contact Equifax, I am either transferred to another department or instructed to open a dispute. This is rather frustrating since I have attempted several times to get the account updated. Each time a dispute is open, it takes at least 30 days to receive an update which in this case no update to my credit report has been made. The delay to update my credit bureau reports continue to impact my financial status and continues to report negatively.