davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (NY)

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  XXXXXXXX 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 2024-04-22
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Activity Dear Sir/Madam, I am writing to dispute the debt collection activity related to the alleged debt referenced XXXX currently being pursued by your agency. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ), I am exercising my right to prohibit communication with third parties regarding this debt, except as allowed by law. 

According to 15 USC 1692c ( c ), debt collectors are prohibited from communicating with third parties, except for the purpose of acquiring location information about the consumer. I assert that any communication with third parties regarding my debt violates this provision of the FDCPA. 

Therefore, I request that all communication regarding this debt be directed solely to me at the address provided above. Additionally, I demand that you cease any further communication with third parties concerning this matter. 

Please be advised that failure to comply with the FDCPA may result in legal action being pursued against your agency. I expect a prompt response to this dispute letter confirming your compliance with my request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
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. (CA)

I called your department after I purchased a credit report with XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : Equifax Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX  Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made.

I contacted XXXX & Equifax, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX & Equifax inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (AL)

The name of the company is Wise. It goes by XXXX XXXX XXXX bank. 

I got an email today XX/XX/24 that my account had been closed. I use their email system to open the appeal, which they only asked for my banking information upon calling them numerous times they were not able to give me any information regarding the balances to my account or anything like that. I had over {$40000.00}. 

XXXX XX/XX/XXXX transfers from XXXX and XXXX were done totaling XXXX to be deposited into the account. XXXX currently unaware of the whereabouts of this money because there is no information given in the account closure. 


I am filing this Complaining against this company because they are not disclosing any information to me and theyre withholding my funds without any real way to get them back besides waiting an indeterminate amount of time to get them back or get some resolution. 


Im asking for this agency to step in and help and get the resolution done this was used for alll my expenses daily.
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-25
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-08-10
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. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

Notified credit card company in XXXX of change of address. 
They acknowledged the change but never applied it to my account. 
I have called each month in XXXX, XXXX, XXXX, and XXXX per conversation with the representative on the phone. They said they would send me my statement to my new address which never happened until after my last conversation in XXXX. 
I am now being charged late fees for the months of XXXX thru XXXX which I refuse to pay because of their negligence. The representative and supervisor where very nasty and abusive on the phone. They refused to remove the charges, so I closed the account. 
I will have to proceed with legal action if this negatively affects my credit. I've changed my address with all my other credit card companies with no issues. I feel this was a scam to collect additional fees.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (ID)

Citi informed us via mail that they were closing our account and that funds needed to be moved or they would be mailed via check. We received this letter around XX/XX/XXXX. I called Citi to see if I could wire the funds and was told that I could if I went online. I processed the wire however due to it being over {$610000.00} they needed to validate over the phone, but didn't tell me that when I called. I missed the window to be able to process a wire. The account officially closed on XX/XX/XXXX. They were supposed to send the check in 24-48 hours due to the amount. They told me 10-15 business days. I have tried to contact Citi several times through my customer relations manager and the general customer service line as I don't have a bank located locally and their only solution is to continue issuing checks. I am losing thousands of dollars of interest. Please help me resolve.
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: Experian Information Solutions Inc. (TX)

My consumer rights continue to be violated by Experian. I am using factual information from their inaccurrate credit reporting to dispute this items. As it is my right to have accurate information reported. 

The account of XXXX XXXX XXXX XXXX ( listed on Experian ) This account is reporting incomplete payment history, as well as a Past Due amount on a closed account. Experian has failed to update -The status update. This has not been reporting correctly it currently says as I have disputed this account with Experian on XX/XX/XXXX. ( I will attach Exhibit A. dispute report ) Report XXXX. 

How can XXXX XXXX be the status update when I clearly disputed it on XX/XX/XXXX. Furnishing and Reporting Old Information this is a Direct violation of FCRA. Please delete this account. 

Below is previously Disputed for inaccurate reporting on Experian Report number Report Number XXXX XXXX XXXX ( Exhibit B. ) XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. {$630.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$630.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 10 Months On Record Until XX/XX/XXXX Report Number XXXX ( exhibit C ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I have tried XXXX times submitting the XXXX attached XXXX reports to XXXX, XXXX and Equifax via XXXX XXXX XXXXXXXX and none of the companies are taking any action. I need the following XXXX  reports processed ASAP.
Consumer complaint received 2023-08-10
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. (PA)

Based on, 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 result from an alleged identity theft, no 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 as soon as possible! 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 2018-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: COMMERCE BANK (KS)

So my account was negative by around 100 dollars and my account was closed without notice onXX/XX/XXXX. I was planning on having my tax refund deposited in it so I wasnt depositing any other money in it but my tax refund was delayed due to some errors on my end.

I went to commerce on XX/XX/XXXX and paid my balance but they refused to reopen my account.

On top of that, my account being closed now shows up on my credit report and I am unable to open another bank account despite resolving the issue. I called the reporting agency and they said I have to pay {$300.00} to have the flag removed. It wouldnt be a major issue but I am starting employment with the XXXX XXXX XXXX XXXX next week and the XXXX requires I am paid via direct deposit. I believe they also run a credit report for employment and Im worried that will terminate my employment. Im being held XXXX  by a credit reporting agency. My complaint covers two categories but it all stems from commerce bank.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

Consumer defaulted on a auto/installment loan XX/XX/XXXX. No payments were made by the consumer after XX/XX/XXXX. Lender falsely reported payments made in XXXX that we're not made by the consumer. Lender also held the account open past 120 days and did not report the account charged off/closed until XXXX. Consumer believes lender reported inaccurate payment information and held the account open past 120 days to maliciously further hurt consumers credit and to give them more time to collect the debt. Consumer filed a dispute with the credit bureau but no action was taken by the lender or the credit bureau to correct the inaccuracies.
Consumer complaint received 2022-09-18
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. (PA)

In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, DEPT of EducationXXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Consumer complaint received 2023-08-10
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. (CA)

I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.
Consumer complaint received 2023-06-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-10
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 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. XXXX XXXX XXXX, XXXX Acct # XXXX, has violated my rights. 

XXXX. XXXX ACCT XXXX XXXX, has violated my rights. 

XXXX5 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 XXXX 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 2023-05-25
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. (TX)

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (PA)

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$2200.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.