davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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. (AR)

I disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (MS)

Upon checking my credit report I noticed that Allied Interstate is reporting a collection to my XXXX XXXX consumer report that I have no knowledge of. 15 USC 1692c ( c ) clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2023-05-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violate 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 2022-12-23
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. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-05-09
Product: Credit reporting, credit repair services, 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. (GA)

I received an email stated that I had received an hard inquiry on my equifax account from XXXX XXXX on XX/XX/2023. I then called XXXX XXXX Account Protection Dept. and spoke with XXXX on XX/XX/XXXX, XXXX. She stated that she didn't see anything that shows anyone opened a new account or applied for another card. She also told me to call Equifax to speak with them about the matter. I called Equifax and spoke with XXXX rep # XXXX and explain to him the same process and he told me he couldn't help me and advice me to call the Federal Trade Commission ( FTC ). I then call FTC and only spoke with automatic teller that gave me a telephone number to Consumer Finance along with an email address. Called consumer finance and the employee walked me through what need to be done to file the complaint. I did everything that was ask of me to complete this process. I just need some assistance with getting this inquiry off my credit report please.
Consumer complaint received 2024-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( was during the time of covid SCAM ) {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX I had {$70.00} dollars taken out of my Pay/Pal account, I had the card locked so that wouldn't happen. Then on XXXX XXXX i had {$290.00} removed from my account both times by the same person. Both times the card was locked. I filed a dispute on both of them with Pay/Pal. They said I authotized it. I don't know this person never met or heard of them. Don't how they got my money other than Pay/Pal giving it to them.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

i have a mortgage with Select Portfolio Services ( XXXX ) a decade ago i was informed that my property had been placed in a flood zone and i would have to purchase additional insurance, at first i did not search for insurance instead allowed them to purchase for me and attach payments through and escrow payment each month. 2 years ago i sought out and purchased insurance on my own, ( XXXX XXXX ) less expensive and more coverage. XXXX reported my current flood zone as X SPS sent me a letter ( attached ) that they have the flood zone as AE, after correspondence with SPS they agreed to terminate my XXXX XXXX XXXX and accepted my XXXX policy. The policy is now up for renewal and i am getting the same message from SPS ( letter attached ), in fact i have found out that flood zone X does not require additional insurance at all. I have since sent notification to SPS of my intent to pursue what ever resources are available to me to resolve this issue. I have attached documentation including a letter i sent to SPS
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

I had to open up this credit card because I need to get my teeth worked well I didn't have money at the time so the dentist I went to was promoting the Care Credit card so I called they told me that I would have no interest for the entire year got approved and nothing else was told me that was it. Meanwhile I was making payments for months and I went online for my account and saw that they added a XXXX addition to my charges for months of about XXXX dollars for months. I went and called them multiple times for this situation and said how unethical and misleading it was that they would charge this addition without me even knowing. They told me to call the security card company and they said they could do nothing for me. I had them stop the charges finally but would not give me my money back for something I didn't sign up for or even know. Then right went when I got XXXX statement they charged me XXXX dollars because I didn't pay of the card before then new year I guess but was told I would get no interest for entire year but never told me I would not even get 12 months because of the new year. When I called they said that was the only charged now its XXXX and I am charged additional interest charges of XXXX dollars. I have never experienced this type of misleading and confusing tactics to basically milk you.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (IL)

PENFED CREDIT UNION took funds from my account that was postdated for another day without my consent or authorization. I spoke with a representative at PENFED regarding payment arrangements with my account on XX/XX/XXXX. I informed them that I would make a payment to the account on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification stating that funds were applied to the account in question. 15 USC states anyone who is collecting a debt is a debt collector. In addition, according to 15 USC 1692f ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument is a violation of the FDCPA. This is abusive and has affected me tremendously. ( see attachments )
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-01-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION (NJ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

Collector : Innovative Recovery Inc, Inc. XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX  XXXX Phone : ( XXXX ) XXXX Amount Owed According To Collector : {$1000.00} I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector Innovative Recovery Inc was asked to provide me with validation that the debt is mine and that i owe the debt the provided a letter stating the debit is in fact mine and a balance owed is {$1000.00} but also they sent a list of charges along with my lease agreement from the apartment company that says a balance of {$1000.00}. So therefore an extra {$50.00} is claimed to be owed to the collector for what reason I am unsure of. When i contacted the company by phone nobody could give me an explanation of what the extra {$50.00} was for.This account is ruining my credit and is preventing me from finding a home for my family. The status of limitation for the state of GA is 4 years and this account has exceeded at 5yrs & 4mos
Consumer complaint received 2023-08-14
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (VA)

I contacted the XXXX XXXX credit card company on XX/XX/19 to obtain a replacement credit card and to have my husband added as an authorized user to the account we received the card from my husband in the mail within 7 business days, however a card was not mailed to me as requested. On XX/XX/19, I called back and informed them that I still havent received a replacement card. I was told that they will have another card mailed out to me. I asked that they mail the card to my in-laws address where i will be for the holidays. They said it was not an problem. On XX/XX/19. I received a secure Letter from comenity bank stating that they were unable to mail me a card as the address provided couldnt be verified with the credit bureaus. I then noticed that they submitted a inquiry on my XXXX and XXXX reports. When I called they informed that they didnt know why an inquiry was done in order To just have a replacement card mailed, and that in order to have the inquire removed that I needed to dispute it with through the bureaus. Im submitting an official complaint as an inquiry was submitted without my authorization and the Comenity bank has not addressed their negligence of the inquiry placed on my credit.
Consumer complaint received 2022-06-06
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. (OK)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States l 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 2024-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Hi, I had a XXXX membership that I had been paying for through my job. I had the cancel anytime with no fee membership with XXXX XXXX, which I intentionally pay for more each month. I spoke with XXXX I believe their name was at the XXXX location around XXXX of XXXX  and was under the impression that it was cancelled. Therefore I have no proof, something it seems might be intentional from XXXX XXXX in order to back their customers into a corner with no way out. I have been using my XXXX membership ever since. I ended up not having the time anymore to go to the gym anymore because my work schedule picked up for the tax season so I cancelled my XXXX membership in XXXX of this year. I even have XXXX reciepts from XXXX XXXX of last year. I really dont know what else to do, everyone at Blink and at ALDOUS AND ASSOCIATES , PLLC is so mean and not helpful over the phone and telling me my only option is to Pay, they wont listen to reason and me telling them to please find who I may have spoken to when cancelling. In addition to the debt being incorrect and unjust the amount is also incorrect. I have tried explaining this to ALDOUS AND ASSOCIATES, PLLC and the only response I receive is that I can pay by card. They are attempting to collect a debt of {$170.00} but I have communications from XXXX XXXX stating that my owed amount is {$110.00}, a {$56.00} discrepancy. I don't have the funds to just pay a debt know is unjust and incorrect but I would if I could and just forget about it. I am XXXX XXXX XXXX and have never ever missed a payment my credit score is XXXX and I have been working so so hard to get it there. Im really sorry, I feel so backed into a corner. Please if there is anything that can be done I appreciate any help. Thank you for your time.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 I had an unauthorized transaction from XXXX in the amount of {$100.00} out of my Bank of America checking account. I contacted XXXX and advised it was not my transaction. XXXX also email me advising that I had an unauthorized transaction and advised me to contact my financial institution which I did. My XXXX account was disabled and remains disabled. I filed a fraud claim with Bank of America. A {$100.00} temporary credit was provided. In late XXXX Bank of America reversed the {$100.00} credit stating that XXXX sent them information say the charge was mine. I called Bank of America and the claim was reopened. I informed them that I had proof from XXXX stating that the claim was unauthorized and I could send to them. I faxed the emails to Bank of America, and also contacted XXXX again. XXXX once again advised I would have to contact my financial institution for reimbursement of the funds. As of now My XXXX account is still disabled. Bank of America had not resolved the claim, and I am still out {$100.00}. I am currently not using the Bank of America account much. I am waiting to see if this is resolved. I feel that neither company is resolving this issue, and that Bank of America is not doing anything to assist. I believe Bank of America should provide credit in the amount of {$100.00}, since proof has been sent to them showing that the charges through XXXX was not mine.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (FL)

Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit and housing.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NC)

I Made a payment on XX/XX/XXXX of XXXX My payment of XXXX was not due until XX/XX/XXXX. The payment is not getting credited to my minimum due but to my balance. I am being charged a late fee of XXXX dollars every month even though I have made my payment early. The same thing happened in XXXX I made a payment of XXXX on XXXX for my XXXX statement. My minimum due was XXXX on XX/XX/XXXX again I was charged a leat fee of XXXX even though I paid it early. I believe this has go on since I opened the account however with paperless statements, they only have XXXX stat ent available.
Consumer complaint received 2022-06-06
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. (VA)

In accordance with the Fair Credit Reporting actXX/XX/XXXX XXXX XXXX ACCT # 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 an account without my written instructions.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I viewed my credit reports and was shocked to find so many errors and incorrect information on my TransUnion, XXXX, and XXXX credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted transunion over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this issue.