davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (DC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$17000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-02
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. (TX)

ftc violations As part of a {$90.00} XXXX proposed settlement, XXXX is refunding customers who were unfairly billed third-party charges by the company. XXXX has been contacting all of its current and former crammed customers to let them know about the refund program and claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 I was informed via telephone that my business bank account with SunTrust was being closed. I asked why, I was told I would receive a letter explaining why and that any funds in the account would be mailed in a check within 10 days. Approximately a week later, I received a letter from SunTrust explaining that SunTrust had decided to end their relationship with me and again stating any funds that were in the account would be mailed to me. At the time ( in or around XX/XX/2020, I had already requested funds from the IRS be sent to my business bank account and I was not able to reverse that transaction. On XX/XX/2020 a direct deposit from the IRS was sent to my bank account and was received by SunTrust into the account that was supposed to already be closed. On XX/XX/2020 I called SunTrust to ask when I should expect to receive my check ( minus any funds that were owed to SunTrust ). I was informed that I would have to wait at least 5 days after my last transaction from XX/XX/XXXX ( which was a {$15.00} maintenance fee charged by SunTrust ) to receive a letter regarding my account being closed. I had already received this letter in mid XXXX. Then I was informed that my check would be mailed ( at some point ) after that letter, likely 10 to 20 days per the customer service representative. I would prefer to not wait another month for MY money.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (TX)

I have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX SHERIFFS OFFICE THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries
Consumer complaint received 2022-09-15
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  accounts : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have 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 that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-12-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Immediate Credit Recovery (AZ)

In XXXX my student loan was forgiven by the lender. On XX/XX/XXXX I received a demand letter from a 3rd party Immediate Credit Recovery , Inc. ( hereafter ICRI ) of XXXX Ga. and use a XXXX Califonia address. In this day of Identity theft it is hard to believe anything that demands personal information in the mail particularly when you can not contact the company with the telephone number provided by that company. 
I have written them a letter. Contained in the letter they sent me referenced another company which I am informed and believe and thereon allege that they are an extension of the collection agency and not a valid company for complaints against that agency. 
1. without my knowledge or consent ICRI obtained my credit report, and information in violation of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) et.seq.

2. Then as an attempt to resolve this I made 3 separate phone calls on 3 separate days to the number provided and was disconnected without being answered each time.

3. I have now written a letter telling ICRI that this debt was forgiven over 19 years ago with the help of the Veterans Admin. 
As of the date of this complaint, I have not heard anything and I reserve the right to amend this complaint as facts become visible.
Consumer complaint received 2019-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX, Opened Date XX/XX/XXXX, Balance {$3600.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

XXXX XXXX  / pyod llc. Court date XX/XX/2023 .Company took to me to court to sue for a debt from XXXX  XXXX. Which appears XXXX times in different amounts on my credit report. I asked them to provide proof of my account which they coils not do. The case had to be continued. They could not provide me with my signature or social security number for this account. I have XXXX and take XXXX daily. I showed up at court and the could not show me proof of an account i have no knowledge of. I would like this to be removed from my credit report i am not physical able to keep going to court and they cant even show proof. They call and harrass me email all the time
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

Yesterday my husband XXXX XXXX received a phone call from a lady that identified herself as an employee of Portfolio Recovery calling about my old credit card. She tried to get him to agree to either set up payments, pay a reduced amount in exchange for it being settled but she kept stressing that it had to be done before XX/XX/XXXX. He argued with her because he knew this card was only in my name and he had no idea why they were calling him. She gave him all of my information including the last four of my social security number. She should not have given out my information. That violates the FDCPA.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (NC)

This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely XXXX XXXX
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (OR)

Approximately beginning of 2022 : Due to emergency dental need, had to open a Care Credit account thru Synchrony Bank, XXXX, FL. 

Continually made monthly payments, couldn't do a lot due to employment situation. I watched it over time and my payments were only going to the interest payment ( 25 % ). 

XXXX Called to close account and trying to speak with the lady was impossible. Not very good XXXX. All she wanted to do was speak of options and I had to stop her and slowly tell her I am closing account. 

Called my credit union to increase my visa to pay off the balance showing. That was approved and paid the balance. 

The next morning I checked the account to make sure it was done and all they did was increase the amount available and it was not paid off. 

Then : XX/XX/2022 Got a letter from this bank saying my account was closed. 

XX/XX/2022 XXXX another letter from bank saying looking into account and have patience. Due to the language barrier and wrote a letter asking them to close the account permanently and the full balance was paid. 

XX/XX/2022 XXXX another letter from bank that the money had not been credited to my account and wanted more information and issued me over {$600.00} to my account. I have closed it! 

That day I sent another letter telling them that the full balance was paid and to close the account and sent a cashiers check for {$10.00} to cover any interest for no further dispute. 

I keep getting emails from them which are irritating and just not sure why they are treating me like I still exist with them. 

Please help me find out why they think I still have an account with them. I don't need them affecting my credit. I even sent them the credit card they issued me. I need them to stop sending information.
Consumer complaint received 2023-12-10
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)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act, * TRANSUNION, XXXX AND XXXX have violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries. 
If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-14
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. (DC)

XXXX XXXX Acct # XXXX - I have sent the attached document as the official proof of my HAF ( Home Owners Assistance Fund ) program application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the HAF program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my HAF application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval. You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status. For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to XXXX. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. Today, because of you CLOSED my account, my Equifax and XXXX credit scores dropped XXXX POINTS!!! Because I have applied for the HAF program XX/XX/XXXX, by LAW, I am protected under for the Mortgage Moratorium, under the DC XXXX : XXXX XXXX XXXX : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. Please remove the Foreclosure status from my account, as well.
Consumer complaint received 2023-02-04
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. (CA)

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-01
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)

I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX   XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX  XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Consumer complaint received 2024-02-21
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. (CA)

I am writing to file a formal complaint regarding fraudulent items that have appeared on my account with your company. It has come to my attention that there have been unauthorized transactions and charges on my account, which I believe to be the result of fraudulent activity. 

Upon reviewing my recent statements, I discovered several transactions that I did not authorize or recognize. It is evident that my account security has been compromised, and I am deeply concerned about the integrity of my financial information. 

I immediately contacted your customer service department upon discovering these fraudulent transactions, and while the representatives were helpful in assisting me with reporting the issue, I am writing to request swift action to remove these fraudulent items from my account and to ensure that my account security is restored. 

The presence of fraudulent charges on my account not only poses a significant inconvenience but also raises serious questions about the effectiveness of your company 's security measures. As a loyal customer, I expect that my personal and financial information is safeguarded against unauthorized access and misuse. 

I urge you to prioritize the investigation and resolution of this matter to remove the fraudulent items from my account promptly. Additionally, I request that you take immediate steps to enhance the security protocols surrounding my account to prevent any further unauthorized activity. 

Please provide me with a detailed plan of action for addressing this issue and restoring the security of my account. I also expect regular updates on the progress of the investigation and resolution process until this matter is fully resolved. 

Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to rectify the situation and prevent future occurrences of fraud on my account. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX