davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2022, Experian please fix the information your are reporting on your webite. The website states that account XXXX XXXX XXXX XXXX  is [ Potentially Negative ] is red letters. I HAVE NEVER BEEN LATE ON THIS ACCOUNT. Please remove the " Potentially negative '' remarks. Thank you for your service.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (OK)

On XX/XX/2024, I contacted the firm at XXXX and was connected to an individual named XXXX XXXX. During this conversation, XXXX XXXX explicitly represented himself as a " legal aid. '' This representation is misleading and incorrect, as there is no evidence to suggest that XXXX XXXX is an attorney or legally qualified individual. I believe XXXX XXXX is associated with XXXX  in XXXX, XXXX, an outsourced customer support client working in conjunction with Linebarger Goggan Blair & Sampson , LLP. It is critical to note that outsourced customer support agents, or any agents of a debt collector, should not misrepresent themselves in any capacity relating to legal professions. 

Furthermore, during a subsequent call to the firm on XX/XX/2024, I spoke with XXXX XXXX, another representative of the firm. During our discussion, XXXX XXXX incorrectly informed me that my debt could not be included in a XXXX  filing. This statement is factually inaccurate and appears to be a deliberate tactic to pressure me into a debt settlement under duress. 

These incidents are examples of a pattern of misrepresentations and unethical tactics employed by the firm 's representatives. Such practices are not only misleading but also exert undue pressure on debtors, potentially infringing upon their legal rights and options. 

I bring these issues to your attention to seek an appropriate investigation and resolution. These practices are alarming and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), requiring immediate attention and corrective action.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NJ)

I'm reaching out regarding the Checking account i have at Truist Bank. Truist bank accessed several Overdraft fees on my account and took my account negative. Even after my account became negative due to all these fees. Instead of declining they accessed more fees. Year to Date from XX/XX/2022 till XX/XX/2022 they charged approximately XXXX XXXX I tried reaching out to their customer service several times and they are not helping to resolve the issue. I atatched all my statements and we can see all the overdraft fees charged every month.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Hello, I Deposited a {$400.00} check via the US Mobile app on XXXX the XXXX 2022 and per an email I received from them the check was accepted and partial funds would be available immediately, which was {$250.00} and the remaining in a day or two. Once the deposit was submitted i checked my account and the {$250.00} funds did show uo in my account and everything looked fine. The next day i try to use my card and i couldnt. I go online and see i only had {$5.00}. On my account they {$400.00} check deposit still showed and it looked find but for some reason it was beinh withheld. It is now XX/XX/XXXX and US bank hasnt had the idea to notify me about what happened to my check deposit. I find that very shady and very unprofessional for them to hold my funds without any explanation, like who do they think they are? And i can confirm the check already cleared yet they are holding MY MONEY. Please help
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

There is a charge on my credit report saying I owe {$300.00} to an apartment complex I have never lived at or even been to. In fact I called them to get information on it and the dates someone applied in my name I was in a lease of my own. I asked them what I needed to do to remove as its not me & they were rude and told me I would just have to pay it. This is insanity.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A XXXX XXXX from XXXX, MA tried to cash a check for {$2500.00} from my account. Not sure how she got a hold of my checks but now she has my routing number and address : (
Consumer complaint received 2019-11-26
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: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2022-09-13
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On Friday, XX/XX/2022 at XXXX XXXX I received a text from a Bank of America number that my account was flagged for suspicious activity and someone was attempting to use my XXXX to take out {$3500.00}. They asked if I authorized this, to which I responded NO. 
Within 5-10 seconds, my phone rang and the caller ID & number stated bank of America XXXX They advised me someone was attempting to take funds from my account but theyd cancel the transaction.

They advised me not

to give out any personal information and theyd verify me using a one time pin code. They texted me and I gave it to them. I woke up this morning and the funds were gone from my account.
Consumer complaint received 2018-07-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MO)

I checked my credit report with Equifax credit bureau on XX/XX/2018 and noticed they put collection on my account. ( {$50.00} medical bill ) for service which i never recieved. Since i filed dispute over the phone with Equifax rep i noticed second collection on my account - exactly same amount, date and name of debtor. So technically they just copied same debt twice on my report. So now i have two collection records about same false medical debt. I called Equifax immediately and been on the phone with different people - reps, supervisors and managers. They all assure me this is not they fault and they just blame on collection agency ( XXXX XXXX XXXX  ) I already filed complain with CFPB about collection agency two times, first time they stated, they put only one report about this false medical debt. Second time is still no answer yet.
Consumer complaint received 2022-09-29
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. (GA)

The Account number XXXX reported by XXXX needs to be removed from my credit report because the 1st date of delinquency reports as XX/XX/2022 which is incorrect still but being allowed to report any way. Remove this incorrect account I did not receive any notice of this collection because there wasn't one. It also reports activity after the date or first delinquency which is also incorrect so remove this account. This is not a collection and has been paid off on time. 

I tried to have Experian verify the accuracy of said data to which they updated my credit report with erroneous information again. During a time of recession this is extremely stressful, as a XXXX  father no less.
Consumer complaint received 2022-06-04
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. (AR)

Account # XXXX, XXXX XXXX XXXX is reporting false information, the account is closed yet its stilling adding interest to my report causing it to appear as am open account.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (CA)

I disagree with the reply since my request to have a copy of the transcript of the telephone conversation on XX/XX/2018 regarding the settlement that they have reviewed was not furnished. Last response i got is that my complaint was duplicate, this is a followup complain since my request for the call was not provided.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX BANKRUPTCY # 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 2022-12-17
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. (LA)

4TH ACCOUNT : THERE ARE OVER 133 CONSUMER REPORTING VIOLATIONS ON THIS ONE ACCOUNT WITH TRANSUNION. TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED. RE : 4TH ACCOUNT.
Consumer complaint received 2022-04-15
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. (GA)

I paid XXXX XXXX off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Quicksilver credit card advertises 0 % interest rate on balance transfers, with no mention of a time sensitivity or deadline for this new account offer. After my approval for the new card, shipped to me XX/XX/2018 and received XX/XX/2018 I was informed that the balance transfer option was not available to me, and supposedly that offer had ended XX/XX/XXXX, after my card was approved. 

I called and talked to customer service, asking to complain. I was put on hold for a second time and my call was not transferred to a manager in a reasonable hold time. 

There is no email listed for consumer complaints. 

I emailed the card president with an email address that I researched and deduced, XXXX XXXX listed on corporate web pages.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The financial institution Bank Of America has repeatedly tried to charge " minimum interest fees '' om my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed which WILL NOT BE TOLERATED.
Consumer complaint received 2022-12-17
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1

5 USC 1681 section 602 A. States that I have the 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 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.
Consumer complaint received 2022-06-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Consumer complaint received 2022-12-17
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR DIVISION OF CHILD SUPPOR XXXX XXXX XXXX  XXXX XXXX OF THE XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States that I have the 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 ) sections 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 convictions of crimes which anti-dates 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 t he information is inaccurate.
Consumer complaint received 2022-06-04
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: CBC Companies, Inc. (SC)

XX/XX/2022, As requested by Innovis in the C.F.P.B compliant # XXXX. I have attached another FTC ID Theft Report and the local law enforcement agency police report for identity theft. Documents attached
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Hello, On XXXX the XXXX 2019 I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and Experian. Experian didn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account
Consumer complaint received 2023-10-18
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. (SC)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  Balance : {$530.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.