davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (DE)

Dear Equifax, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX PLEASE DELETE THE FOLLOWING INACCURATE EMPLOYMENT INFORMATION : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-06-07
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-15
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: EQUIFAX, INC. (CA)

In addition to being a victim of credit fraud as well as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-04
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. (NJ)

This credit reporting agency XXXX  removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX  and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. 

As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX.

Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. 

Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

Consumer reporting agencies, area research reporting are reporting late payments in violation of 15 USC 1681A. Transactions are not to report on the consumer report, late payments are a form of Transactions. According to 15 USC 1681 B permissible purpose of consumer reports must be in accordance with the written instructions of the consumer to whom the report relates, without permissible consent, it's identity theft. The consumer report has wrong addresses, wrong names. I only give permission to report paid in full, on time, and as agreed. My consumer report should not contain any debts in collection, I have not consented to my private and confidential information to be given to any 3rd party, I have never been given any notice or opportunity to opt out of any debt in collection. Debts in collections where not properly verified, they have NOT proven they are licensed to operate in my state, they haven't provided proof of ownership of the debt, they haven't shown the original contract showing I owe the debt or the amount, I have not done business with the collection agency that would justify me owing them anything. There are debts in collections on my consumer report that has a positive balance. FALSELY REPRESENTING A CREDITOR.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-29
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. (TN)

This is the ten time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify.Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (TX)

When I went t o the Hospital, I su bmitted my health insurance card, they assured me that they would send me a bill. They never did, nor did receive anything from them. I gone to this hospital for 9 ye ars ( at least 30 different times ). I have always paid them their payment. This these two times they never send me anything. I need a fair opportunity to pay this bill, so I can pay the bills and I need this removed from  my credit.  <P/> COLLECTIONS Original Creditor  XXXX   XXXX   XXXX   XXXX  Opened Date      XXXX   XXXX   XXXX              CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX   {$42 0.00} Original Creditor  XXXX   XXXX   XXXX   XXXX  Status Open Opened Date    XXXX   XXXX   XXXX    CENTRAL FINANCIAL CONTRO Opened    XXXX   XXXX   XXXX      {$150.00}
Consumer complaint received 2023-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EGL US, LLC (GA)

On XX/XX/2023, I signed a consumer credit contract with BMG LOANS AT WORK. The signing of the contract means that it was endorsed. This contract is subject to the Truth IN Lending Act. This contract has false and misleading statements that violate the CFPB RULES and U.S Codes. 

BMG required that I set up preauthorized electronic funds transfers as a condition for an extension of credit. This requirement violated 15 USC 1693, compulsory use of electronic fund transfers. This requirement was false and misleading and has caused me great harm. 

On XX/XX/2023, I mailed off a billing error according to 15 USC 1666. BMG has failed to respond to the billing error as required by law but continues to attempt to collect alleged debt violating 15 USC 1666a. 

BMG threatens to send late payment to credit reporting agencies, although they have not sent the required disclosures under 15 USC 1666b, timing of payments. Section 1637b of title 15 has over 11 requirements to be disclosed in connection to a payment and I have not received one. Without such disclosures no payment should be treated as late, and to communicate such misleading information is a violation of 15 USC 1692e. 

BMG LOANS AT WORK is stating that there is a positive balance on the account. 15 USC 1666d explains how treatment of credit balances should be handled in a consumer credit transaction. BMG LOANS AT WORK is requiring that I pay the balance although the law states otherwise. Demanding I pay the positive credit balances is false and misleading practice BMG LOANS AT WORK has given false and inaccurate information and failed to provide information which creditor is required to disclose and is criminally liable under 15 U.S, C 1611 and failing to meet the requirements hold the creditor civilly liable under 15 U.S.C 1640
Consumer complaint received 2023-01-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

On XX/XX/2022, my Citi Accelerated savings account was closed on suspicion of fraud. I have made several electronic transfers to the Citi account from my XXXX account. I had opened the account on XX/XX/2022 with {$100.00}. Then a few days later transfered {$1500.00} which had settled. Made another transfer for {$2000.00} which was returned to the issuing bank. Then I made two more deposits from the XXXX account totaling {$3000.00}. 

I spoke to a representative on XX/XX/2022, about the account closing to see if anything cleared up and to gain a better understanding as to why my account was being closed. The representative let me know that it was being closed due to fraud. When I pressed the representative to explain further, he explained that it was due to a returned NSF transaction. He also let me know that I could not get my account reinstated and that any funds that were there would be returned to me after a 60-day investigation. According to my accounting that would have meant that {$5100.00} would be mailed to me in the form of a check. The representative stated that a check would be mailed to me. 

I received a check, via XXXX XXXX, for {$2.00} I proceeded to call again the fraud XXXX XXXX number to speak to a representative about my funds and why was I receiving a check for {$2.00}. The call got disconnected when I asked for a ledger of transactions to be sent to me. I spoke to a second representative who was able to tell me to go to the issuing banks and file a claim for funds. I inquired about the funds that had settled in the account for {$2100.00} and why was I still receiving a check for {$2.00}, the representative then told me again that I would have to go to any issuing banks a file a claim for those funds. 

The representative then was able to transfer me to a third representative to handle my bank statement request that would be sent by mail in 10 days or by email in 1 or 2 days. At this point, I am frustrated because email should not take 2 days to receive and I am still out of {$2000.00} in funds. 

I then made another phone call to XXXX in other to initiate the claim but still need to track down the other deposits in order to file claims for them. 

I am still seeking my full funds of {$3100.00} from CitiBank.
Consumer complaint received 2023-01-13
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: SYNCHRONY FINANCIAL (CA)

CareCredit does not make clear their promotional for health care its very misleading and confusing. Its impossible to get a live person and when I did she didnt answer questions and didnt understand. I had a balance of {$1900.00} and few days ago they added {$580.00} interest to my balance. I got no warning at all. Am low income so this is very hard on me. If I had known I would of transferred my balance to a credit card.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

has violated my rights. Or a list of inquiries : 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 2023-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-01-23
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)

I had leased XXXX XXXX XXXX XXXX car and my lease ended in XX/XX/XXXX and my account was closed with no payment due. In XX/XX/XXXX XXXX reported my account ( after more than 1 year of account being closed ) was closed in settlement when in fact my account was never late in payment or settled. It resulted in my XXXX XXXX drop my XXXX points from XXXX too XXXX. I created dispute with transunion 3 times and it did not resolve it as it seems they do not investigate properly. I spoke to XXXX XXXX customer support and they said XXXX should not have reported it since my account was paid in full and the sent me letter as a proof. XXXX asked me to created dispute to report and they will take that out of my report. I did create dispute again and result was same as before since they kept that on my report. I am attaching letter from XXXX XXXX that says my account was paid in full. I attempted to resolve it with Transunion and XXXX XXXX respectively and it resulted in no fruitful result. I will kindly appreciate if you could please resolve it since after this my last resort would be to file legal lawsuit again Transunion and XXXX. 
Thank you
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XX/XX/XXXX & XXXX XXXX mine and my wife 's checking accounts were hacked when 2 unknown parties were able to open up accounts and transfer {$2500.00} and {$2400.00} out of our checking account via XXXX without our authorization. USAA investigated the issue and originally ruled in our favor on XX/XX/XXXX, restoring access to our accounts and XXXX refunded us the money. My wife moved the funds to another internal checking account within USAA just to keep it safe. Then on XX/XX/XXXX, USAA shockingly reversed their decision and not only rescinded the refund, but also charged us an additional {$5000.00} to the checking account my wife transferred the funds to leaving both checking accounts with a negative balance of thousands of dollars. After doing a review and a re-review of the investigation, USAA claims that there was no fraud, and my wife somehow willingly gave out her login credentials to these random people that we don't even know, which she did not do. We wouldn't even give out our credentials to other family members, let alone some complete strangers. I was originally told that when the investigation concluded that I could speak to one of the people who investigated the claim, if it didn't go my way, to review the evidence they had to support their claims. After the re-review concluded I asked to speak to one of the investigators and was denied. I recently read an article yesterday that the Texas state AG reported that USAA experienced a data breach back from XX/XX/XXXX to XX/XX/XXXX and shortly afterwards we were hacked. The report said thousands were affected and no reports on the location of clients who were impacted. I have been a member of USAA for over 18 years and have never been treated this poorly before. We are devastated and would like to see our accounts be credited the amounts that were removed.
Consumer complaint received 2023-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (SC)

I separated for the navy in XXXX and haven been transitioning back into civilian life for the last couple month which has coming with its challenges. I had my vehicle was repossessed on XX/XX/23 after XXXX. I got in contact with them the next day I was told my vehicle would be held until the XXXX for the amount of XXXX form the vender ( Truist ) and then an addition amount would be charged form the towing company themselves for storage. I called back on the XXXX the XXXX was XXXX XXXX, so the office was closed. I wanted to verify the amount again so I know the amount to request for finial help. The amount was now XXXX, I asked for how much the towing company would be charging and was told I could get that form their third-party Loss and XXXX. Loss and XXXX informed me that they do not deal with money they are simply a middle man between the vendor and finding a local towing company to retrieve and hold the vehicles. Loss and XXXX informed me that vendor is the one who sets the price for everything even how much towing company should charge me. I have called Loss and XXXX and the towing company and got the same answer each time that they are waiting on the vendor ( Truist ) to tell them how much to charger me. When I call Truist I keep being forwarded to Loss and XXXX to get the additional amount. It been less than XXXX week I just want my car back.