davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

ON about XXXX XXXX, 2023 I disputed inaccurate information on my credit report with the following credit bureaus, EXPERIAN, XXXX, and XXXX, as of today I have received no response to my disputes. This is a direct violation of the FAIRCREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRATICES. 

Pursuant to the FCRA and the FDCP the credit bureaus have 30 days to respond to a consumers dispute, they have failed to so.
Consumer complaint received 2023-05-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (TX)

We have a XXXX  XXXX XXXX in which the transmission has been not working for a year. We still owe XXXX on the car and our payments are {$590.00}. We have spoken to the finance company several times explaining this situation and no one is willing to assist with this matter. We were instructed by XXXX to contact consumer affairs to speak with them about fixing the transmission because we were told by a XXXX representative that the type of transmission in the XXXX models have failed and they no longer use those transmissions anymore. When we spoke with consumer affairs they had us tow the vehicle to the nearest XXXX dealership for inspection. They advised us that they will not fix it because the car is over XXXX miles. We are in the process of doing a voluntary repossession because we are paying a car payment on a inoperable car. The finance company sends emails to contact them to work something out with them but when we call there is not a solution and they tell us the only option is to turn the car back in. This situation is really hurting us financially and we really need help in resolving this matter.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have two credit cards issued by Capital One Bank ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, and Capital One Quicksilver Card XXXX. I've had the Capital One card for nearly 5 years, and the XXXX 's card for nearly 2 years. I have never missed a payment on either of these cards. In XXXX, 2023 I received letters that these accounts were now closed, with the only reasoning cited being " Capital One has discovered adverse past or present legal action involving an individua or entity associated with the account ''. I called Capital One Customer Service in an effort to get additional information and was told that they could or would not give any, and that I should check with my County Court to get further information. I did just that, and could find nothing that would prompt Capital One 's action. Moreover, I have other credit cards through XXXX, XXXX, XXXXXXXX XXXX, and others ; and none of them have taken this course of action. In Mid XXXX I received a Notice of Data Breach, from one of my creditors, indicating that in XX/XX/2023 suspicious activity was discovered in their systems and that information had been compromised. Law enforcement, including the FBI, was brought in and the investigation is still in progress. Because of this I was offered complimentary credit monitoring and identity protection services. I have little doubt that this issue is associated with Capital One 's actions. Unfortunately, they won't give me the information necessary for me to research the issue.
Consumer complaint received 2023-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Business Card {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Consumer complaint received 2022-11-29
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)

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, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX 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 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION ()

Truist Banking have locked our Bank and Savings account already for a year. We can not access our account using the computer to transfer monies. We are living in XXXX. Just so you know; we also have XXXX  account. We can do everything with the XXXX XXXX. Truist bank has a lot of problems, please see the internet customer complains. I have nothing to do with that. We are 20 years customer with Truist Banking, prior Suntrust. We have since last year also residence in XXXX. From the Truist office XXXX we transferred some monies to the XXXX XXXX  in XXXX. Now being in XXXX we should be able to transfer money from XXXX to XXXX using the computer. It worked a couple of times. Truist bank Blocked our account about 12 months ago. We emailed, we send proof by regular mail, we send emails, also to the XXXX XXXX XXXX, XXXX also customer service, created a case number, but never helped us again. case # XX/XX/2022 XXXX. Obviously, we can not come to XXXX to an office to say hello ... .. Over the phone Truist employees, never helpful, gave us the advise to call the branch office where we use to go in person. We did call the Celebration office in XXXX, never helped. We did call the Truist office in XXXX XXXX Florida, where we banked later because of our move. Never helped. All Truist employees are nice promise to help and call back when you have them on the phone. When you hang up, no help no call back, account is not unlocked. All of this is unacceptable. In the mean time my social security is deposit in this bank. I am not able to access my account and make payments. I have usage of the XXXX XXXX. Never had a problem. XXXX XXXX  is outstanding. No limits, quick, user friendly and very efficient. From XXXX to XXXX XXXX  in XXXX. On the internet their are a lot of complaints and also videos, telling after the merge between Suntrust and Truist all the customer service is out of the window. Truist bank, you hold my hard work earned money for no reason. We have identified with Truist bank and your fraud department a " XXXX '' times. UNLOCK OUR ACCOUNT. That we have the Truist checking account card, we have added a ATM with draw in XXXX, XXXX. 

Truist banking, Unlock the account. XXXX XXXX, as a CEO, the least work you can do is to respond on my emails. Please, I refer to about XXXX emails send in the last 12 months to different emails. Everything I asked for is written in these emails. I spend hours and hours with Truist banking to come to a resolution. So far, XXXX. No help, no resolution from Truist bank. I like to refer to all emails, all phone calls and all letters send to Truist Banking. 

We have send all our new address and phone numbers to Truist Banking on several occasions. The XXXX number is NOT valid.
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEM INC is reporting a collections account on my credit report for the amount of {$870.00} past due as of XXXX XXXX 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. I have no contract or account with Transworld System Inc I requested from TRANSWORLD SYSTEM INC the following in order to validate the legality of this debt. 
1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract. 
2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (FL)

on XX/XX/2023 i received a copy of my credit report and i see 2 unauthorized made by XXXX XXXX on XX/XX/2023 and i inquiry made on XX/XX/2023 by XXXX
Consumer complaint received 2023-04-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Consumer complaint received 2024-03-29
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. (MI)

RE : XXXX XXXX I have been reaching out to XXXX and TransUnion regarding incorrect public information on my credit report since XXXX of 2023. XXXX and TransUnion continues to claim the public record has been verified but continues to not send me their method of verification or stating that a third party company XXXX XXXX has verified this information. According to the Federal Consumer Reporting Act ( FCRA ) information has to be XXXX XXXX accurate, correct, and verifiable by the ORIGINAL CREDITOR which it continues NOT TO BE! I also have documentation stating that the court house does not verify these things and they keep saying its verified. I have filed a complaint with the BBB as well. If this is not resolved in XXXX days I will have no choice but to take the next steps per my legal consul and seek up to XXXX in damages and I will submit a complaint to the FTC. This is currently affecting me from purchasing a home and I am a single mother with no place to go this is messing with my livelihood.
Consumer complaint received 2023-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (UT)

I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for a month or two until they started again, and they're always from a spoofed local number that says American Express on the caller ID. 
Recent Call list : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XX/XX/XXXX US Bank had sent a message on my online account that my account was being suspended. When I called the number they didn't or wouldn't tell me anything. So I went to a US bank branch in XXXX XXXX  on XXXX XXXX and spoke to a banker XXXX XXXX. She had to set an appointment for me on Wednesday the XXXX of XXXX because the offices of the fraud department was closed. At approximately XXXX XXXX  on XX/XX/XXXX I meet with the banker and she called and spoke to someone regarding my situation. They told they didn't want my business anymore and they were closing my account due to me breaching my contract. The banker asked if they could un lock the hold so I could get some funds because I didn't have no money and this was about to be a holiday weekend. They told her NO they would mail me a check This almost criminal because I have no money to pay for me to live right now where I could be on the streets because I'm in between housing and I ve been stay in hotels. I have no money to eat or even get to my job because of this situation. I'm in a very distressed situation and no gave a darn about me and my well being. I need my funds now or if I need to call the XXXX on your side news people to let them know of the in justice that I'm going through. I would appreciate someone calling me to resolve this issue. My number is XXXX. I have not been able to eat and basically no place to stay through this situation. I don't a person should be treated the way that I was. I am a hard working individual that has put money in this bank and to get treated like a nobody is really disheartening. I hope to hear from Someone tomorrow Sincerely XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

I have email correspondence from XXXX  showing I have did everything on my end to resolve issue to include filing a police report and fraud packet as requested by them and they would remove fraud debt. Years later, just last month they contacted me again via letter saying I still owe a debt and has now made it to my credit report. I asked what happened to the fraud packet I sent them via email. Was told they do not know as it happened years ago and now wants me to start from scratch. Something is awry as if they blatantly ignored the info. they requested from me XXXX for : Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ) XXXX XXXX XXXX Amount is {$450.00}. 

I did resend the fraud packet which also contains my XXXX  Identification on XXXX. Again, no correspondence from them still. I can not stress enough that I've spent hours with them on then phone trying to resolve the issue with no success despite their assurance nothing derogatory would happen. 

Their info. is as follows : CONVERGENT OUTSOURCING ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I further submitted a complaint to the XXXX  Attorney General . However, they said you all would be the POC : Was advised to submit fraud write of packet and police report back in XXXX and email the following - XXXX XXXX XXXX Attention : Risk Assessment ( Creditor Account # XXXX or XXXX Account # XXXX ). After which, I was advised the accused debt would be dropped. Years later, XXXX, I received another letter from them after silence and my constant follow-up but no response saying I still owe a debt. I call them and after being on the phone with them for over and hour was also told to resubmit the same fraud packet and police report. I asked them what happened in to my dispute XXXX. They said they do not know because that was years ago. Today, I get a notification saying the debt made it to my credit report.
Consumer complaint received 2023-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I am disputing the information being reported by LVNV Funding LLC on my credit report. I contacted them asking that they please provide documentation of the alleged debt. My attorney contacted them asking the same. The company refused to provide any documentation showing the debt, amount of the debt, contract between myself and the original creditor or any type of documentation. Instead the company replied by asking me to provide documentation of the debt. I provided what was reported in my credit report which is all of the information that I have. If the company is stating the debt does in fact belong to me then they should also have all of the information. My attorney then contacted the collection agency requesting if such documentation can not be provided to please remove the debt from my credit report. The company did neither provide documents or remove the debts. At the time of contacting LVN Funding LLC they were reporting two separate accounts on my credit report. I was advised that one account showing a total of {$170.00} has since been removed from my credit report.

However, they are still reporting one account showing a total of {$130.00} which I have yet to receive any documentation showing proof the alleged debt even belongs to me. I am again requesting if documentation can not be provided the debt be removed from my credit report immediately. I am included in this dispute the correspondences between my attorney and the Collection agency reporting the debt.
Consumer complaint received 2023-05-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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. 

" I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ''
Consumer complaint received 2023-05-29
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: U.S. BANCORP (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-01-25
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-05-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (FL)

XX/XX/XXXX. Seized from my bank account all funds- {$1000.00} XX/XX/XXXX. XXXX also for fees XX/XX/XXXX. Seized. XXXX.. 
The only income for me is : social security Also I live in the State of Florida I am a Homestead and I am age XXXX. 

That is all I have. I have a mortgage that must be paid. 
I have XXXX husband and adult XXXX children living with me. 
We are a hardship case that was hit by the tornado ( IAN ) XXXX. Trying to fix a roof still. I need those funds to do that!!!
Consumer complaint received 2023-05-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (FL)

i do not know this account as mine, i tryed to verify this account but they culd not proof this amount as mine, {$22000.00}, i think this is mistake andt wrong account.. i sent to them a validation debit