davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Hi my Truist bank account was closed due to overdraft fees. it was {$56.00} XX/XX/2022 I called them on XX/XX/XXXX and now they say I owe {$320.00}. I asked for a statement stating proof of that and the could not provide the evidence. Instead they assisted that I pay the full amount even though there wasn't any bank statements provided. I understand that if there is some form of indebtedness there must be accurate information. If I can't get this proof from XXXX bank then I need my account unblocked. It has damaged my reputation and I can longer open any bank account. 
Please remove the {$320.00} if you can not show how it got to this amount. 

( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (OH)

I applied for an online loan. To make a long story short, I gave the loan company my Citi Bank bank info and they made a deposit of XXXX. I went to check my account this morning to find I no longer have access to it. I called the bank wondering whats going on and verified everything, including the deposit because thats what I seen for on deposit. Come to find out, the loan company was a scam and the bank closed my account due to them depositing a mobile check and forging my signature. I called the loan people to make them aware of what the bank had told me and they proceeded to use vulgar language with me and demanded I send them the money back. Even suggested I go to a money center like XXXX to keep going with the process. I suggested we call my bank on XXXX way so we can get to the bottom of this ( they kept claiming they were legit. They also wanted to call my bank themselves but I declined that due to the situation thats ongoing ). I explained to the bank what happened and they were thankful that I called to tell them what happened and realized I had became a victim of fraud but because my account was already in process of closure, they said they cant stop it nor can I open a new one. I think thats completely unfair because I was the one that was a victim of fraud. They shouldnt be able to label people as non trustworthy because someone fell victim to a scam during an obviously vulnerable time when you need help financially. I want to be able to continue using citi bank l. I been with them for a year and never gave them any problems and vice versa.
Consumer complaint received 2023-05-30
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FORMERLY XXXX all of the financial institutions above all violated15 U.S. Code 1681c - Requirements relating to information contained in consumer reports also15 usc 6802 a financial institution which has been listed above may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not affiliated with TRANSUNION they can not disclose any nonpublic information to TRANSUNION without my consent which I have not given any consent.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (OH)

XXXX XXXX XXXX  Companies inquired on my Credit Report for financing on XX/XX/XXXX and XX/XX/XXXX without Permission some by the same company.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently sent in the complaints attached requesting an update to my personal information. The companies have stated that this information was in the process of being updated. I recently pulled my report and still see the inaccurate information. This information is fraudulent and does not belong to me. I demand that this information be removed as requested. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Employers : XXXX, XXXX XXXX Employers : XXXX XXXX XXXX, XXXX According to the Fair Credit Reporting Act " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy... 

( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.

Therefore, my position is being clearly stated, these personal information items as reported are in error, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate information means that you, this credit reporting agency, are reporting incorrect accounts/and or items.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-27
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. (TX)

In accordance wit the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/ XXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 15 USC 1681, Section 602A, states I have the right to privacy.

15 USC 1681, Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than 7 years.

15 USC 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 2023-05-06
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. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX XXXX Balance : {$23.00} XXXX  XXXX XXXX XXXX : {$25.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00}.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 1.XXXXXXXX XXXX {$1000.00} has violated my rights. 5 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. your company has been reporting this account inaccuratly has failed to remove it from my report
Consumer complaint received 2024-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

To Whom It May Concern : I was advised by a Mohela agent named XXXX on XX/XX/XXXX that processing of my application for a SAVE plan has been delayed because a new SAVE application was opened in my name on XX/XX/XXXX with a Mohela agent over the phone. This was news to me. If a new SAVE application was opened in my name on XX/XX/XXXX this was against my direct expressed wishes. I spoke with Mohela Agent XXXX on XX/XX/XXXX to follow up why the Mohela website showed I was in the ICR plan still since I put in my original SAVE application for my consolidated loan on XX/XX/XXXX. I have been waiting since XXXX for Mohela to process my SAVE application. I called Mohela on XX/XX/XXXX because on the Mohela website I saw I was still not in SAVE. I told XXXX NOT to open a new application for SAVE for me multiple times because I was afraid it would delay the SAVE application I already started. He assured me that he would NOT open a new SAVE application for me. He said he escalated the situation to his supervisor and they flagged my past SAVE application so it would be " expedited '' and it would be processed within XXXX working days. He encouraged me to call Mohela back on Wed XX/XX/XXXX if I did not see the website updated and me in the SAVE plan by then as he expected. So on XX/XX/XXXX I called Mohela to check on timeline and to my surprise I was told my SAVE plan application is " delayed '' because a new application was opened with XXXX on XX/XX/XXXX. If this is true this is criminal behavior of Mohela to be opening federal loan applications in someone's name and against their direct and expressed wishes.

Mohela harms me financially and benefits themselves the longer they delay my SAVE application. Under SAVE, due to my income, my monthly bill will be XXXX XXXX and accrued interest will be covered. As of XX/XX/XXXX my accrued interest from XXXX is {$1300.00} and Mohela just did an auto debit payment of {$250.00} based on the ICR plan repayment they continue to keep me in. Mohela 's actions of opening applications for federal loans for its customers against their direct expressed wishes is against the law. This needs to be fixed.
Consumer complaint received 2022-11-26
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. (GA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2017-02-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I called in to get a payment arrangement set up on my account and spoke to a representative by the name of XXXX. He was extremely rude and very hostile during the entire conversation. He kept asking questions like why I was n't able to make my payment on time, that when I signed up for the loan I agreed to make the payment on time, etc. I explained to him that I paid majority of the car note and that the automated system gave me until XX/XX/XXXX, that I needed until XX/XX/XXXX which was my pay day to make the payment because I did n't want to fail the payment arrangement. All I needed was 3 days more, the rep became even more rude and began talking to me in an inappropriate manner stating I should n't need the additional time and that I need to keep the arrangement or see if I can get the money from someone. I asked to speak to a manager because he was being rude and he stated he was a senior rep. He stated I have a sub-prime loan and that his company already took a risk at giving me a loan so I need to make my payments as agreed. I began to raise my voice and get out of character with him because I could n't believe he was actually talking to me as if I was a nobody and the money came out his pocket. I 've had my vehicle since XX/XX/XXXX and this was my first payment arrangement, I have never been late on my car payment. Every time I call this place, the reps are nasty and talk to you like you are trash. I asked to speak to management after dancing with him verbally for a few minutes and they gave me the extra days without a problem. I can never get what I need resolved without constantly enduring the lack of customer service from the rude, condescending, very judgmental collections representatives that work for Credit Acceptance. They act like they hate their jobs and the money is coming directly out of their paychecks to finance the customers they have to service. They call you constantly with their automated dialers and they will harass your references as well. Then when you call then to ask then to stop with all the calls, they will have the nastiest attitude. We already know when our payments are due, we do n't need calls 10 times a day and we do n't need our references to be harassed as well. I do n't need my references in my business and knowing when my payments are due. Especially dealing with the reps nasty attitude.
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IN)

I received a letter from IC Systems which is listed as a Collection Agency. They stated in their letter to me that the original creditor and CURRENT creditor to whom this debt is owed is XXXX XXXX. That is misleading by making me believe that I can not dispute the debt under the FDCPA since it is the original creditor trying to collect the debt. Except for the fact that this letter and communication is from IC Systems and the company website plainly states that it is a collection agency. Even if said collection agency is a subsidiary of XXXX, their sole purpose is collecting debts and can not mislead the consumer to believe that they are something that they are truly not. This is a clear violation of the FDCPA in the wording of the collection notice.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TransUnion LLC XXXX XXXX continue to delay their investigations into my credit file. I have sent letters via certified mail ( through online certified mail ) with copies of my passport, driver 's license, social security card @ Veteran ID to confirm my identity and they continue to send me canned letters stating they do not believe I am the one requesting the investigation. This delays the investigation and takes the investigation beyond 60 days.
Consumer complaint received 2022-05-26
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)

I contacted XXXX, XXXX and Experian from in XX/XX/XXXX regarding the incorrect credit hard inquires that are fraudulent/errors/ and are not me. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Please help me have them deleted/removed from my credit report.
Consumer complaint received 2023-02-27
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 have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept. of EdXXXX There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-06
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00}, XXXX XXXX XXXX  XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}