davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-10-04
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. (FL)

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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

To the CFPB, XXXX XXXX XXXX is filing a complaint against the credit agencies for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and ACCURATE credit reporting. INACCURATE CREDIT REPORTS directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( 2yrs ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX XXXX XXXX are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX  are : The open dates are different I tried reaching out to XXXX XXXX Equifax XXXX & XXXX to clarify these issues but the representatives just kept saying they can only see their reports of my credit with them. These credit agencies SUPPOSE to have the same reports through & through no differences since they are collecting the information from the same exact source which is the companies that are providing the information, if the wavers at any moment how is the information XXXX.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 which states, I have the right to privacy. Under 15USC 1681 Sec 604A Sec 2, it also states a consumer reporting agency can not report an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer and credit card plan as late for any purpose.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

# 1 ) Ok I called to have stop payment on my card. The did that but they restricted that card and sent me an new one. I didn't find out until I was at the store with a basket full of stuff # 2 ) They have been charging me XXXX a month for a banking fee when I am on SSA and am XXXX. 
# 3 ) I think Bank of America has, with certain accounts, like, a bank within a bank, certain accounts are files. And the card number you have on your card triggers the file. And it is a hidden file. MY old card ended in XXXX. The card they are sending me ends in XXXX. I am pretty sure BOA is not above board. I have had this account for 15 years. I am telling you something stinks.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I got caught up in a fake at home job scam and mobile deposited a check sent to me by the " company '' and now my bank account is overdrawn {$490.00}, XXXX. I called the bank and all they want to do is close my account, they are treating me and talking to me like I am the one who is scamming them.
Consumer complaint received 2022-12-05
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. (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 2023-11-10
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. (FL)

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my XXXX through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-09
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: Experian Information Solutions Inc. (NY)

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card.

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XXXX XXXX XXXXXXXX XXXXt XXXX XXXX XXXX Minnesota XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a XXXX with Suntrust Bank now known as Truist. Earlier this year, possibly around XXXX I completed the paperwork at my bank to transfer XXXX  XXXX to XXXXXXXX XXXX as they were paying interest. I competed the paperwork at my bank ( Truist ) and took it to XXXX XXXX. i never heard anything about it and realized I never received a confirmation email or any acknowledgment from XXXX XXXX. XXXX XXXX has no record of the transfer. I went to my local branch of XXXX where I completed the transaction. They could not pull up any information stating that becasue it was an IRA they don't have access to the information and would have to send an email. I located old statements from the bank and dropped XXXX off to the bank. This is over {$10000.00}. Can you help me locate my account, please help me.
Consumer complaint received 2022-12-09
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-12-09
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$4000.00}  XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00}
Consumer complaint received 2023-10-04
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. (CA)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
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. (NY)

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My business debit card attached to our business checking account, was illegally used, hacked!!! On the morning of XX/XX/XXXX I woke for work approx XXXX to find 2 emails from Wells Fargo. The first was an email at XX/XX/XXXX at XXXX ( the night before ) *Wells Fargo Fraud Detection XXXX unusual activity, the transaction was declined. The 2nd email at XXXX subject line Your Business Account has reached XXXX dollars. I immediately looked at my account and saw that someone had hacked my debit card and wiped out our business account. I immediately called to report the fraud and ask why they didnt decline all of the back to back charges, not just one. The lady filed the claim inquiry, canceled the debit card, issued a new one and said they would clear it up. All funds were reimbursed except for the largest at {$3200.00} to XXXX XXXX I received an email on XX/XX/XXXX that my order shipped from XXXX. I immediately responded that I had reported fraud on that card and to cancel that order ( emails attached ) XXXX responded, acknowledged the email statingwe are doing an investigation, our bank is going to start working on this ASAP. You are going to receive a resolution as well through your bank, usually around 7-10 business days. meanwhile, we received provisional credit to continue to run our business and make payroll. After searching my emails, I found several other emails in my all mail, spam folder from XXXX. One from XX/XX/XXXX at XXXX stating XXXX XXXX did you forget something? left something in your shopping cart to another at XXXXXXXX XXXX  Order Confirmation # XXXX As I had already reported this fraud to Wells Fargo and XXXX XXXX I fully expected that it would be handled. Have never received any product, never heard back from Wells Fargo or XXXX until yesterday XX/XX/XXXX when I received a letter in the mail from Wells Fargo ( attached ) stating we found the charges were made by you or someone who had your permission. The {$3200.00} temporarily credited to your account ending in XXXX will be reversed 10 business days from the date of this letter on XX/XX/XXXX. Please consider your claim closed. We are beyond stressed by this whole mess and are trying to run a small XXXX  business that WOULD NOT and DID NOT purchase these XXXX  items and NEVER RECEIVED anything from this company. It must be resolved!!!
Consumer complaint received 2023-06-05
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. (MD)

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 2023-09-16
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: AMERICAN EXPRESS COMPANY (CA)

I sent a letter via US mail on or about XX/XX/XXXX  to the following mailing address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/XXXX  in the amount of {$300.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (IN)

My soon to be ex-wife took out several credit cards and loans in my name and left me with over {$30000.00} of debt. I currently have several collection agencies trying to get money from me and my credit score is horrible.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I started a savings account at a Citizens Bank branch in XXXX, NY. The terms and conditions were that if I made a deposit of at least {$100.00} for each of four months I would get a {$25.00} bonus. 
I deposited {$100.00} in XXXX, in XXXX, in XXXX and XXXX At the beginning of XXXX I went to my branch bank to inquire if the {$25.00} was added to my account. I was informed by the branch manager that there was a computer glitch holding up the bonus. I went back in XXXX twice. The branch manager says he called the home office of Citizen Bank to plead my case. They told him there were many depositors who had not received the bonus. I was patient. 
When I inquired again at the beginning of XXXX I was told that the {$25.00} bonus had not been credited to my account. So, I decided to file a complaint with the bureau.
Consumer complaint received 2023-10-04
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

We, XXXX XXXX  and XXXX XXXX XXXX had joint stores credit cards with XXXX XXXX  for XXXX stores and XXXX and XXXX   stores, respectively. Our accounts were opened in 2017 and we had planned to use the credit for a new air conditioning unit and a riding lawn mower. However, while in the market research phase of our pending purchases, our home and state were hit with a devastating hurricane Irma. As a result, we had to delay the pending purchases, due to damages suffered from hurricane Irma and to perform said needed repairs.

Today, we were informed by our credit monitoring service XXXX  that both our accounts were closed by XXXX XXXX. We were never informed by XXXX XXXX or given any opportunity to keep our accounts open. It is very disappointing and financially devastating to us that XXXX XXXX  chose to close our accounts without notifying us. In addition, we were in the process of finalizing our purchases of a new home air conditioning system and a riding lawn mower ( XXXX  is a XXXX  veteran with XXXX XXXX ).

We are seeking assistance from this agency to get our accounts reopened and our credit lines restored!!! Thanks in advance for your kind assistance.

Regards, XXXX XXXX and XXXX XXXX XXXX.

XXXX
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC (FL)

I ordered my CoreLogic ( SafeRent ) report and I noticed a Inaccurate date and information on my rental history.On my report they have a listed date in XX/XX/XXXX that i was evicted but I was never evicted from that date they have listed on the report.The Apartment that in am talking about is : XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2023-10-04
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: Resurgent Capital Services L.P. (GA)

I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX opened XX/XX/XXXX. XXXX opened XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX. XXXX XXXX XXXX Opened XXXX XXXX, XXXX.