davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (SC)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-07-29
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. (ID)

My XXXX student loan account was paid in full - NOT included in bankruptcy. I have a {$0.00} balance currently and was never late, yet all three still showed a balance owed and said it was included in bankruptcy. 

I submitted supporting documents from creditor to all three major reporting agencies that state this account was paid in full, yet all added the statement that it was included in my bankruptcy- but it WAS NOT! Ive asked all reporting to Please update my report with {$0.00} balance for this account or remove the misreported account from my credit report entirely. My next steps is to take legal action under FCR act!
Consumer complaint received 2023-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (FL)

XXXX XXXX XXXX XXXX IL XXXX Account was closed in XX/XX/XXXX, after numerous calls, funds were to be sent by check to my residence. 
Check of {$730.00} was sent via mail last year, never received. 
XXXX cancelled the check after several calls and resent a new check. No check received. 
They cancelled this check and said another check would be sent. Never received. 

On XXXX, I called them again, to see what was going on. 
They claimed that another check was sent on XX/XX/XXXX. 
Again check never received, at my current address. 
Now they are cancelling that check as they did in XXXX. 
My account is closed and they wont let me access it. 
After these XXXX attempts for a check to be sent, I am filing a complaint.
Consumer complaint received 2023-07-29
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX Owed : {$670.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

Upon reviewing my credit reports from XXXX and XXXX XXXX, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to : XXXX Mortgage Credit ( Miscellaneous ) - XX/XX/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 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 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 XXXXXX/XX/XXXX These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXX person not applying for credit.
Consumer complaint received 2023-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This debt is a debt that I paid until I found out that I have the right to have the debt XXXX via remittance coupon method. They then took remorse against me by closing the acct and charging the debt off placing it into collection. They have reported the collection acct with a pass due amount of {$9200.00}. This is a violation of the FCRA and also in violation of requisite XXXX Complaint reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report. 

In addition, according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) is also a violation of requisite ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting that the following items be removed from my credit report immediately because I was informed that I had the opportunity to opt out I was not given the opportunity to opt out and according to 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave consent ( written instructions ) to report collections, charge offs, late payments to my credit report.
Consumer complaint received 2024-02-24
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: TD BANK US HOLDING COMPANY (NJ)

I have 3 unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] TD Auto Finance [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX- has violated my rights XXXX XXXX XXXX XX/XX/2022- has violated my rights XXXX XXXX XXXXXXXX XX/XX/2022- has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I purchased an XXXX ( XXXX ) laptop using zero interest XXXX financing. XXXX chose to sell my and many, many others ' credit lines to Comenity Bank. That transition has led me to owe over {$600.00} in interest ( which was the point of even financing with XXXX in the first ) and late fees. I never missed a payment, but when XXXX pulled the rug out from under me somehow I did. Back in XX/XX/2023 I sent a payment to Comenity through my bank 's paper check system. It was posted and sent before the deadline. Comenity never cashed it. They did, however, cash the next paper check sent to the same po box address the following month. I have been fighting with them since. For all I know they deliberately shredded it just to hold my credit rating hostage to extort late fees and interest dollars from me. I have no choice but to pay this huge some of money because they hold my credit rating hostage and I can't get anywhere with their stonewalling for hours and hours with customer service. They just bounce my from useless call center person to useless call center person holding to the argument that I can't prove that they got the check, which is impossible. I have proof is was sent on time and proof that they didn't cash it, but somehow logic doesn't work in their predatory world.
Consumer complaint received 2023-05-21
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: DISCOVER BANK (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. XXXX - DISCOVERBANK Account XXXX : XXXX add a derogatory mark on my credit report per XXXX. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by XXXX has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA DISCOVERBANK has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2023-07-29
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. (SC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-28
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

After meeting with a company in XX/XX/2023 my husband and I decided to liquidate our timeshare. This agency represented themselves as a time share exit team. They sent out paperwork to gather data about our purchase and then they sent me a numerical figure that they stated would be the amount needed to liquidate our timeshare. They shared information about closing cost, and what would be needed to transfer the deed. On XX/XX/2023 a transaction in the amount of {$11000.00} was made. It was supposed to be for the liquidation of a timeshare/payoff. The representative from XXXX XXXX XXXX called after saying they didn't receive the cashiers check ( I sent it 30 days before noting the timeshare exit payoff in the notes section ). After I canceled the check at the bank, they asked if we could just debit the money as it would be quicker and we could move along the process to get out of the timeshare. I gave him the debit information and later that evening he sent a XXXX for me to initial electronically for the debit ( only one page ). Later on, when he sent me the finalized XXXX agreement, there were additional pages that showed a contract for purchasing into a travel program with XXXX in that exact amount. I didn't agree to that, but there were my digital initials on the form which I knew I never signed. I reached out to the representative immediately and said that's not what I agreed to. In his text message he agreed that this was his understanding and that he would have someone from the company to reach out to me. That never happened and I continued to try and contact someone. When I called XXXX, they said it was through a third party so they couldn't do anything. XXXX XXXX would not respond via phone or email. When I tried to email XXXX, they blocked me. I filed a complaint through the XXXX and they continued to say I signed the form to purchase from XXXX ... when in fact I did not. They continue to reference the contract language to deflect any responsibility, but all they had to do was refund my money. I have never used their service, and I even declined free items when offered stating I just wanted to liquidate my timeshare. When I tried to retrieve the history from the XXXX, it was blank forms. I feel this is a scam being perpetuated by these entities and each one is blaming the other. I only gave permission to payoff my timeshare ( which didn't happen ), not purchase into another company.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Basically I asked the credit bureaus to do a verification of my credit report and they did. They said that everything was accurate on my credit report, but I also did a thorough report on my credit myself and there are still a lot of improper inaccuracies on there after they did there research. The company is XXXX XXXX  account number # XXXX Equifax XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions...
Consumer complaint received 2023-07-28
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. (MI)

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.