davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (TN)

Accounts that's closed or negative ratings- XXXX XXXX XXXX XXXX XXXX Suntrust XXXX XXXX XXXX XXXXPolice Report #
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, Transunion retaliates by lowering my score or adding old information to my report.
Consumer complaint received 2021-07-27
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. (NY)

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account XXXX XXXX No payment history is recorded under my XXXX report but yet reported on my XXXX and Equifax. 

This is being report inaccurate on my Equifax and XXXX credit report. It shows up on two out of three. XXXX does not show payment history on my credit report. This is an violation of the Fair Credit Report Act. Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-08-06
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: ALLY FINANCIAL INC. (NY)

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( XXXX ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (CA)

XX/XX/XXXX Dear Sir Mam : Went to my banking institution yesterday afternoon. Was told that after I had entered my bank and started my transaction at the counter that she said that I had to wear a certain type of attire. I was stunned as to there is no law or statutory law that has ever been in place that has any establishment bank or otherwise the right to tell us what to wear or how to dress. She continued harassing me even though I have been to my other locations numerous times and done my banking business in the usual manner. She refused to serve the customer even though I advised her that she is breaking the law. ( California Penal Code 538 ( d ) PC. Also the Non-discrimination Laws in the State of California Civil Code 51. ) There are more statutory laws in CA. Since I was harassed and threatened and refused service at a public place ; I left and said at the door that they are breaking the law and engaging in discrimination of a bank customer. I have also never seen a XXXX man or woman being told they can not enter because of their attire. I am seeking to have them fined according to civil rights violation, Federal Civil rights law ( Title 11, Section 2000 ) and want them notified/contacted and advised that these so called " mandates '', " requirements '' etc. etc. are NOT laws. Please render assistance as soon as possible. Thank you
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2020 I paid off a {$12000.00} auto loan with XXXX XXXX XXXX XXXX XXXX Experian was taking a long time to update my credit report and still said I had {$3000.00} that I owed on the vehicle and I have paid that already I contact the Experian asking them to update my auto loan is paid off XX/XX/2020 they reported it was paid off but XX/XX/2020 removed it off my credit report and I've been trying to get it back on ever since I have proof that XXXX XXXX XXXX XXXX have been reporting this paid auto loan to my credit report and experience refusing to place it on my credit report
Consumer complaint received 2021-08-06
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance : $ XXXXDate Opened:XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : XXXX XXXXDate Opened : XX/XX/XXXX
Consumer complaint received 2021-08-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

OnXX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIGY USA CORP. (NJ)

On XX/XX/XXXX : My pandemic stimulus money held at XXXX  XXXX XXXX ; in which would also be unlawful-to take away stimulus money through their levy. 

This would be based on a prior judgement entered in the amount of {$13.00}, XXXX. XXXX plus taxed costs. 

This amount was supposedly a XXXX credit card that I had when I was previously employed there. However ; during the recession when jobs were lost in XXXX ; I had credit protection. 

Therefore ; there should be no outstanding bill. 

I notified XXXX and sent them proof of credit protection charges on my statements. XXXX states that a third party bought out the said amount account and that they have nothing to do with the outstanding bill. 

Main Street Acquisitions XXXX XXXX would be that 3rd party. Harassing and fraudulent he is. I faxed them proof { XXXX - XXXX } of credit protection charges on my statement as well. No response in 30 days. And no response until now ; when they levied my stimulus money from my bank account. 

According to a past complaint on XXXX XXXX XXXX  : Main Street is a passive account owner and does not make any direct collection attempts. A third party law firm working on behalf of Main Street obtained the judgment. 

The lawyer in my case would be XXXX XXXX XXXX XXXX, Such, XXXX XXXX XXXX. 

And even even if the above statement was true ; XXXX XXXX - debt collector is handling accounts as if direct collection attempts - would be directly from him.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (TX)

During the height of the pandemic in XX/XX/2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XX/XX/2020 Arizona Public Service turned over for collection utilities owed ( despite them being in a place of moratorium ) to Diversified Adjustment Service, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX  never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Hello, On XX/XX/2020, I had ordered accessories from a seller on PayPal. I spent a total of {$6100.00}. It is now XX/XX/2020, and I have yet to receive these products. Ive already contacted PayPal and they couldnt help me. The seller provided both PayPal and I tracking information for the products that show that the products were delivered to an address in NY, however, I live in Massachusetts. My PayPal account also lists my address on it. I do not live in New York.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Made 3 payments totaling XXXX dollars in XX/XX/2021. Sent payments to a lockbox address given to me by the companies customer service representative. The company switched lockbox addresses and did not inform the customer. Payments of XXXX dollars were posted to the account. There has not been a correction on this account. There is an outstanding XXXX dollars not posted to the account. The lockbox address was switched in XX/XX/2021. I had no knowledge of where to send my payments in. The company informed me that the payment would be forwarded to the new lockbox. I disputed this with the company in XX/XX/2021 because my payments were not posted in time.
Consumer complaint received 2021-08-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeKey Lending, LLC (LA)

On XX/XX/XXXX and XXXX of XXXX I spoke with XXXX XXXXXXXX about applying for a VA Mortgage Loan. The person also added another co-worker to the call. The merged caller was said that she is great with VA Loans. They ran my credit information and contacted me later in the day. I then explained to them about our selling of the home in XXXX, moving to XXXX and paying off all the revolving debt. I was told that my score was too low, but to wait 30-45 days for the credit history to reflect. The housing situation during this pandemic is not the best at letting you wait for anything. So, I then asked about doing a Rapid Rescore for the accounts that were not reflecting the recent payments. I was told that they would investigate it. The company called back the next day with an amount of $ XXXX that they wanted to charge me to run a rapid rescore. I never sent them the information to prove to the credit agencies of the payments, nor did they ask for said information. I was told it cost {$290.00} per account per credit agency. I told them that I was not going to pay for that. I then told them that they were not supposed to charge me for that either. I sent XXXX a text about sending me the disclosure on the rapid rescore so I could go over the charges. I never received a disclosure but was called the next day by an associate of the company claiming to merge the call with the owner of HomeKey Mortgage. The call looked important so I answered, even though I was in the restroom. I asked them to call back in 10 minutes to let me get out of the restroom. I was told that they probably would not be available. I did not receive a call back. I called back 11 minutes later, but was transferred to voicemail. I called back 12 minutes later again, but was transferred to voicemail again. I then left a message, with no one calling back. I have not heard back from anyone with the company since then. The realty company has not put us in contact with another lender.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Consumer complaint received 2021-08-06
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. (FL)

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (NY)

I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted American Express and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if American Express has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.
Consumer complaint received 2021-08-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EDvantage LLC (IL)

This relates to this already filed complaint # XXXX, Company has reach out to me with the attached email. However it must be established that I never took any students loan from them nor did I owe XXXX XXXX any fees, but they ( Tuition Options ) connived with XXXX XXXX and made me pay so far an amount to the tune of $ XXXX.This is what I need back with its accrued interest. I need all the payments I made to them back with interest. I am not sure what they want me to sign on the attached email. 

Please help me get my monies back. 

Thanks,
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

In XXXX I requested a balance transfer from XXXX XXXX XXXX to payoff my XXXX XXXX XXXX XXXX The check for {$8400.00} was sent to Barclays Card Services, XXXX XXXX XXXX XXXX  PA XXXX. The check was deposited in a Barclays account in a Barclays Acct # XXXX at XXXX XXXX XXXX  on XX/XX/XXXX.. 
Barclays, unfortunately no longer processes XXXX XXXX XXXX credit cards.So the payment is sitting somewhere in limbo. 

Barclays could : - return to the funds to XXXX. 
- forward the payment to XXXX now handling XX/XX/XXXX credit card processing - send a check to me I have spent endless hours on the phone on hold with Barclays trying to get some resolution to absolutely no avail. Am I always forwarded to a manager or acct rep where the line rings forever,