davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

The currently reported XXXX XXXX  with account number displayed on my XXXX XXXX report, shown as XXXX. the information I not REPORTED on XXXX in this reported claim on my XXXX report, and alleged as on my Equifax report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements . With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WV)

I opened an online checking and savings account with Huntington National Bank in XX/XX/2019. I made deposits, ordered checks, transferred money to relatives, submitted changes to my social security deposit, and took steps to close my account at my current bank.

2 weeks ago, I tried to make a mobile deposit, and a message said I did not have any accounts set up for that. I had done this in the past so I called to find out what was wrong. 
I was connected to someone that told me my account was slated to be closed. I asked why, and was told that several years ago I had an account with them that had been closed for overdrafts. I told her I knew of that account, and that at the time that happened I had suffered major loss from fraud ( someone was using my ss number, and had gotten hold of all of my banking information ), and that I had had health problems, XXXX, etc, and when I contacted Huntington later and asked who to make payments to  so it could be resolved I was told I could not do that. 
The fact that they allowed me to open my account the last time and I had used that account meant to me that the former issue had been resolved.

I had ONE check left to come through. But instead of paying that  check with my funds they returned that check and now I have additional fees to pay because of that. 
I believe Huntington should be responsible for those fees, as they have not returned the money that was in my accounts that they closed with no notice to me.
Consumer complaint received 2023-05-27
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: EQUIFAX, INC. (CA)

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/23 I sent EQUIFAX a certified dispute letter with proof of my identity by my government ID and proof of residency with my bank statement in regards to fixing my personal information that was reporting inaccurate address and employment on my credit report and I received my return receipt because they signed for it. I called five times and authenticated my identity through the phone and my email. I waited two month to pull my credit report and EQUIFAX refused to correct my inaccurate information. The representative XXXX was the most disrespectful person I ever encountered he said he wont be able to fix it due to me not sending in my full social security card. I have proven time and time again my identity but its wasnt to his or EQUIFAX liken. I feel that they deliberately make consumer go through difficult situations for their own satisfaction. I have been trying to get my personal information corrected for two months but each time they failed to do their job. They are violating my consumer rights and not following the FCRA guidelines because of the fact they want to cause me trouble and take me through pure XXXX. Its not right and something need to be done with their unprofessionalism and be held responsible for causing me harm to my credit report by not correcting the inaccurate information.
Consumer complaint received 2018-07-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (LA)

Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-01-27
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. (CA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX Balance {$78.00} Equifax Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (MI)

Frequently calling me across multiple different numbers, I have answered and on multiple occasions told them that due to currently loosing hours and eventually my long term job. Just today I have received multiple calls typically one after another between my cellphone and house phone. They will Call my cellphone and immediately call my house phone directly after and typically total up to 8-10 calls a day between the two devices.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (OK)

I opened a Toys R Us charge account XX/XX/XXXX and paid the account in full in XX/XX/XXXX. However, I was informed this account was delinquent so I began investigating it and found Synchrony Bank omitted several payments and continued to add bogus late fees and penalties without ever sending me any notices. You can readily see the credit limit was {$200.00} but the balance rapidly escalated to over {$400.00} which is impossible. 

Synchrony Bank has a widely known reputation of omitting payments and " fee stacking '' where they add late fees and penalties. 

This negative account has been falsely reported to credit reporting agencies.
Consumer complaint received 2023-04-15
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-23
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. (FL)

I've noticed that there's XXXX closed account & XXXX inquires on my credit profile that i dont reconize & its false information that isnt mine & never gave written or verbal consent for Experian to furnish and its affecting my way of living due to non approval & defamation of character!
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one. HOW DARE YOU LIE AND SAY YOU HAVE RECORDS OF ME CALLING I WANT THE AUDIO BECAUSE THAT WAS NOT ME!!!! ANYONE COULD HAVR CALLED IN PRETENDING TO BE ME AND AS I STATED THE ADDRESS ON FILE IS A FAMILY ADDRESS MY MOTHERS HOUSE WE ME AND ALL MY FAMILY HAVE LIVED TOGETHER BEFORE YOU ARE PRODUCING FALSE INFORMATION AND I AM NOT GOING TO LET THIS SLIDE I PROMISE YOU BE SUED
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 — Account information incorrect
Company: EQUIFAX, INC. (NC)

In XX/XX/XXXX I applied for a home loan and was told by the bank XXXX XXXX Management services was reporting that my mortgage was still open and I was over 120+ days past due. I have never paid my mortgage late. XXXX XXXX  serviced my loan from XXXX until XX/XX/XXXX. They sold/transferred my loan in XX/XX/XXXX. I filed a dispute with the credit bureau and received an email telling me the dispute was resolved in my favor. I figured I would wait a few months and then followup with the bank to allow time for my credit score to reflect the changes. Fast forward to XX/XX/XXXX, the bank told me that my FICO report is showing Equifax reporting a 90+ days late payment in XXXX of XXXX. I paid to have my credit pulled to see the FICO report myself and sure enough it is there and it is also showing on XXXX XXXX as a 90 day late payment in XX/XX/XXXX. I am assuming somehow that month was overlooked by XXXX? I contacted FICO and was told they only report information that they receive directly from Equifax and cnnot edit information on the report. I contacted Equifax and I was told there is nothing to dispute. I contacted XXXX loan services and was told they would look into the issue. Then I received a letter in the mail that states " XXXX loans services does not grant courtesy credit corrections. Our records indicate that the loan is reporting accurately and no correction is required. '' This negative payment history is affecting my Equifax credit score and my FICO score which is inturn increasing my interest rate. Please see the attached documents pgs 136-138 shows negative payments marks under Equifax.
Consumer complaint received 2022-11-18
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. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 2023-05-26
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)

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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX alleges that I owe {$740.00}. They are reporting false and inaccurate information. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXXXXXX XXXX XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.
Consumer complaint received 2022-11-23
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. (NY)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I disputed a charge with XXXX XXXXXXXX. I did not open an account. The amounts were provisionally refunded and the card was cancelled and I was issued another card. The subsequent mastercard was also charged an amount by XXXX XXXXXXXX and my account was frozen. After the banks further investigation they stated they were unable to resolve the matter in my favor and charged back my account the amounts. 

Upon further investigation I have found that MasterCard/Citi are part of a credit card updater program which allows for Merchants to automatically receive updated credit card information. My credit card info, after I stated this information was obtained via fraudlent means was given again to this creditor. My new card information is being given to a vendor that I have stated repeatedly has obtained my information via fraudulent means and I the customer is having to pay for fees associated. I need this resolved as soon as possible.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (CA)

Company : Asset Recovery Associates XXXX. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXXXXXX XXXX XXXXXXXX Balance {$78.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (CA)

I have an outstanding debt with XXXX  XXXX XXXX XXXX that I have with a deposit related debt for {$480.00} that does not belong to me. This debt is the result of identity theft back when the account was originally opened on XX/XX/2019.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

on XX/XX/year> XXXX XXXX denied my Application based on the reasons below Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have recently experienced a charge off XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 
This decision was based in whole or in part on a report from the consumer reporting bureau ( s ) listed below. The bureaus themselves played no part in making this decision and are unable to supply specific reasons why your credit request has been denied.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (GA)

I received a letter in the mail stating that " due to recent activity, a temporary block has been placed on the above referenced Destiny Mastercard. '' This is the first I have heard of this credit card and I did not ever apply for the Destiny Credit card. I logged on to check my credit report and the Destiny credit card is showing on there as well. A Balance of {$960.00} for Destiny Mastercard. I do not own a Destiny credit card and believe this was opened in fraudulent activity.
Consumer complaint received 2023-05-26
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. (CA)

Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, XXXX  XXXX  { XXXX }, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.