davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

Unauthorized charges were made on my account with Truist I advised of a lost phone and wallet at the time and identity theft and they still charged my account. I have an affidavit that is notarized that my account or identity was stolen at the time and had a previous identity theft note on my credit just lifted before opening the bank account. I know it is against consumer law for them to charge me for checks that I didnt authorize or use.
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AZ)

The Amazon Synchrony Credit Card was closed for use in XXXX. However, there is still a balance I am paying on. Every so often I get an updated credit report saying that the card has been closed. The last XXXX times were in XX/XX/XXXX and XX/XX/XXXX, XXXX. This has a significant impact on my credit score. When calling synchrony bank they said they have no record of this.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2022-11-14
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 Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also 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 convictions of crimes which antedates the report by more than seven 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 2021-01-04
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. (IL)

These account is involved in litigation. 
I sent a letter on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 50days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief.
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

I have a money lion account and they took out a payment without authorization from my ex wifes account. I never gave them this information, as I was only an authorized user on the account. That is my ex wifes account and only her money goes into that. They money they took out of her account, for an account she does not have with Money Lion, would be fraud. Money Lion needs to credit back the money to her account and they wouldnt
Consumer complaint received 2024-02-03
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: ProCollect, Inc. (NJ)

I am sending to dispute the accuracy of the collection account appearing on my credit report. The account in question is listed as PRO COLLECT XXXX Balance : $ XXXXand it negatively impacts my creditworthiness.Upon reviewing my records, I have identified discrepancies in the reporting of this account, and I believe it is reported inaccurately. I request a thorough investigation into the matter and kindly ask for the deletion of this collection account from my credit report if it is found to be inaccurate.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am requesting to reopen a case with Capital One Bank, XXXX XXXX XXXX that still has not been resolved. 

Dear XXXX, Thank you for your reply. 
Capital One has not investigated this case thoroughly and the evidence/ documentation that I have provided does support my claim of unauthorized activity on my 360 Checking debit card ( XXXX ). 

Please answer the following question : How could Capital One refund me for one ( 1 ) unauthorized charge of {$500.00} and deny the other unauthorized charge of {$200.00} that occurred on XX/XX/2022 ( the same day ) at XXXX in XXXX? 
This makes no sense whatsoever. 

I am requesting to speak with an executive supervisor at your corporate office in Virginia, perhaps a phone call from the president/ CEO XXXX XXXX to discuss this matter further. 

No one at your organization has taken responsibility for the fraudulent/ unauthorized charges made on my 360 Checking capital one debit card ( XXXX ) at XXXX in XXXX on XX/XX/2022, where I do not shop at OR live by. 

My 360 Capital One debit card ( XXXX ) had unauthorized/ fraudulent charges made in XXXX on XXXX XXXX on XX/XX/2022. 
As stated in my letter addressed to Capitol One Corporate Offices at The Office of the President, Capital One, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2022 : *************************************************** On XX/XX/2022, I called Capital One bank at ( XXXX ) to discuss these fraudulent charges and a new case # was assigned XXXX. 
The {$500.00} charge was denied, the {$200.00} charge went through. These fraudulent charges were made at XXXX. It makes no sense that the second charge of {$200.00} went through since I replied, No for both attempted charges. 
This new case was going to be investigated and the representative could not understand how the second charge of {$200.00} went through either. 
The representative and I decided to have the new debit card sent to my home address instead of my XXXX XXXX since the last debit card was stolen in transit. 
The representative confirmed that the card stolen ended in XXXX. 
***************************************************** I will be providing a police report which states the facts and provides supporting documentation for this case/ complaint. 
Capital One Bank has not investigated this case thoroughly and the way that this case/ complaint has been handled is beyond disbelief. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC (TX)

I just received an email from Mobiloans who is the original creditor alleging that I took out a payday loan with them, I have never heard of this company and was a victim of identity theft, as I filed a police report in addition to a report with the FTC, I never authorized a loan with Mobiloans or this third party they sent this account to, furthermore I have not received any mail from them with a proper debt validation. I am very familiar with my rights and would appreciate if this debt is removed from all 3 credit reports as there is no signature showing that I in fact owe this alleged debt.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryEquifax, XXXX, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within 30 daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I was looking to my credit report and find out there are fraudulent inquires XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2024, I asked, the U.S. Department of Education to no longer sell my personal information. I, the consumer, have suffered harm and injury due to these companies selling my private consumer information. These companies make claims to protect their consumers, at the same time all of their recent XXXX annual reporting ( under risk ) mention clear violations of U.S. Code title 15, including ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( d ) Limitations on the sharing of account number information for marketing purposes. A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) 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. 
I have sent the companies in the mail, documentation stating, " Per the FCRA, as a federally protected consumer, I am now opting out of any and all obligations, written, unwritten, verbal and nonverbal per 15 USC 6802. '' None of the companies have responded via mail and continue to sell my private information without my consent.
Consumer complaint received 2023-05-04
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. (CA)

I submitted a letter to the 3 Credit Bureaus previously on XX/XX/2023, to update this suspicious information. I think you have not validated the account that I want to be validated/fixed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I recently checked my credit report with XXXX, Equifax, and XXXX. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, Equifax, and XXXX have not removed these inquiries. 
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.

Also, 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-23
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-01-04
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)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2019-12-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

I have several collections from DEBT RECOVERY SOLUTIONS on my credit file. Some are duplicated. I sent a request to this agency asking them to validate this account. They never validated anything yet they continue to report it on my credit as well as duplicate accounts making it look like more accounts with the exact same dates and amounts. I have medical insurance. The hospital can't locate the debt this agency is reporting
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-23
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. (TX)

It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.