davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May  Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXXMULTIFAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-18
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. (MO)

The following accounts are fraudulent and has affected my credit file. These unauthorized and unknown accounts are not mines therefore I'm demanding that this accounts be removed immediately. 

1. XXXX XXXX  {$1700.00} 2. XXXX {$2800.00} 3. XXXX XXXX {$830.00} 4. XXXX {$620.00} 5. XXXX XXXX 6. XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NC)

I called and went to bank with information that in had on account and told them on phone and to the us bank in this.location XXXX XXXX XXXX. That I want all my money back which was approved, they snatched my affadvid and never sent cashier check for all money that was on account and that was all unauthorized transactions on debit cards and bad bank tellers they where employees of bank that tried to fraud me for it. They was suppose to send cashier check for all money back that was deposited.
Consumer complaint received 2021-06-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D. SCOTT CARRUTHERS (WI)

This is tied to complaint : XXXX-XXXX  and XXXX-XXXX  The CLOSED and PAID XXXX XXXX account of XXXX was sold of to XXXX XXXX XXXX, who also DBA XXXX XXXX XXXX. 
This company wrong presented a paid debt settled with XXXX  as a NEW debt and Charge Off reported as XX/XX/2021. The phone number this company had on record from XXXX  was disconnected ( according to the XXXX  rep ) and the mail at their previous address of record returned. XXXX XXXX XXXX, XXXX, FL XXXX seems to be the only place to contact them. 

Once again, they not only reported a PAID DEBT as a NEW CHARGE OFF, they claimed that it happened in XXXX of 2021. Lies.
Consumer complaint received 2021-06-23
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: ENCORE CAPITAL GROUP INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CO)

I have had the last four if my paychecks stolen right out of my account my credit card company payments have gotten sent back to me going against my credot in ehich i am trying very hard to fix also am losing everything in my storage and possibky geetting evicted from my apartment due to someone or bank error not sure which one and the worst if it u cant even call or get a hold of anyine at current to let them know what is going on .Iam so devestated by these thefts and im atill fetting no where with current bank i cant beleave what a crock of shit of customer service they have unbeleavable.
Consumer complaint received 2021-06-23
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: The Bureaus, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Please help me XXXX XXXX  card closed out my account back on XXXX XXXX and equifax closed my account and my score dropped like 60 points .... Equifax closed the account again on XX/XX/2021 causing my score to drop again 85 more points.. These closed the premier bank card again.. This is unfair and has dropped my credit score 85 more points. I am trying so hard to rebuild my credit so that we can refinance our home and equifax is being unfair in their investigation into this matter.. Please help me remove this error from my credit report..
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GB Collects, LLC (MD)

I received a phone call from, GB Collects stating that I owed a bill to a company I had no knowledge of. I asked to receive information via mail regarding the charge and I would look it over. Around XX/XX/XXXX, I received a very bland letter in the mail stating that GB Collects represents " XXXX XXXX '' and that I owe an amount of {$700.00} - again no knowledge. 
On XX/XX/2021, I wrote a letter to GB Collects notifying them that I dispute the validity of the full portion of the invoice and that I was requesting verification of the debt to be mailed to me. GB Collects responded on XX/XX/2021 ( apparently they received my XX/XX/XXXX letter ) that " Our client has declined your dispute on this delinquent balance of {$700.00} owed to our client, XXXX XXXX, due to lack of proof. '' Question : If the company that states I owe a balance doesn't have proof of the balance then who has proof, and who can verify that I owe the debt? 
Additionally, in the XX/XX/XXXX letter I requested to " ONLY '' contact me via mail at the address they have listed on their correspondence. I specifically asked " DO NOT CONTACT ME ANY FURTHER THROUGH A PHONE CALL ''. 
Since the XX/XX/XXXX letter, I have been contacted via phone and with leaving a voice mail on XX/XX/XXXX, and XX/XX/2021 ( I can provide proof of this information ). 
Around XX/XX/2021 I received another letter stating that " XXXX XXXX will no longer tolerate any more delays in recovering their monies. This appears to me to be a threat or a scam as I have asked for documentation and verification of the amount stated to be owed and to no avail have I received anything.
Consumer complaint received 2021-06-23
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)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XX/XX/XXXX around XXXX XXXX. CST I deposited my wife 's paycheck into our USAA checking account via the mobile app as I've done for years. 

I've been a USAA customer for 10+ years and have never had a returned check. This was a pre-printed payroll check from my wife 's employer. We've deposited checks from this company for nearly a year now without issue. 

The paycheck was for {$800.00}. And right after depositing it, USAA informed me it was holding {$300.00} for eight days. ( Until XX/XX/XXXX XXXX. 

This is the second time USAA has held funds from a paycheck after 10 years of not having this issue. 

Upon contacting USAA, the bank informed me this was because I'd had a few overdraft fees, but those were paid within 24 hours. And again, I've never had a deposited check returned. Each one has gone through. 

There's no excuse to hold the funds like this when they've been instantly credited to my account for the last decade. I need those funds released to pay my rent since it's the end of the month. 

After many complaints with USAA and no action, I'm now forced to file an official complaint.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRONTO FINANCE INC. (IL)

I had a XXXX  XXXX XXXX in which was called and deemed a total loss my insurance has paid them over 90 % of principal and is still pending a cap claim but the financial company also known as pronto finance is still trying to collect money from me and threatened my credit as well
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc. (FL)

hello, i did a trade in for a used car, but the dealer couldn't sell me the car after the trade in cause of defective airbags issue. I got my car back and didnt do the deal. please delete inquiry and loan from my credit. i never got the car or did the trade in. Thank you!.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

Several months ago received a letter that spending amount on the account had been decreased. Was surprise but said OK. This month, received a letter dated XX/XX/21 stating the account had been closed. When I called to inquire as to why, I was quoted the letter which lists several reasons that the account could have been closed but not the specific reason. I was told that credit card companies check with the credit bureaus for all of their card holders every few months and if they believe the account holder credit isn't good enough they will cancel the account. The payments on this account has never been late because they are automatic ... and the account is paid over the minimum payment amount. 

My daughter suggested to me that perhaps the company is about to go bankrupt and are closing accounts so that the accounts can be written off. 

Due to COVID, part of my monthly salary has been reduced ( and I did have to open a medical credit card which has nothing to do this account ) ; but as I mentioned, this account has never been late. The closure of this account has reduced my credit score.
Consumer complaint received 2021-06-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (CA)

I received a notice from Real Time Resolutions , Inc which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from XXXX  XXXX XXXX. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. Real-Time Solutions along With XXXX XXXX  XXXX  failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I have a late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 my sister added as an authorized user to her Bank of America credit card. As of today, I still have not been updated on my credit report. I called Bank of America on XX/XX/XXXX and was advised by a customer service representative that Bank of America doesn't report authorized user accounts to the credit bureaus. I asked for documentation of this and was hung up on. I called the Bank of America compliant line and spoke to XXXX in the Texas office and was advised that they would be escalating my complaint. I was told that Bank of America does report authorized users to the credit bureaus. I provided my name, date of birth and social. XXXX advised that they would be expediting the reporting to the credit bureaus. To this day, nothing has been reported. I was provided with cas # XXXX. She said to allow 5 business for a letter and confirmation of investigation.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-13
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: ALLY FINANCIAL INC. (CA)

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXXXXXX XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted on XX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.
Consumer complaint received 2021-06-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MS)

On XX/XX/XXXX I opened an online checking account at Sun Trust 's online banking website for their XXXX Debit card. I transferred {$5000.00} into this account from my XXXX XXXX account. Then went back online to get a direct deposit form for my employer and was unable to login. My Debit card arrived in the mail that day so I called to activate the card I was told that my account was frozen and that I would need to call the next day to speak to someone. I did call. I ended up speaking to someone who was not in the lower 48. Could not understand anything they were saying and was transferred to someone in the US. I was told that my account was me being investigated by your fraud department and that SunTrust was still currently looking into my account and that I would receive a letter in the mail stating the outcome of your fraud departments investigation. I then demanded to speak to someone that could help answer my questions. That person had no answers for me either. I then had to ask to speak to someone else. That person was unable to give any answers as to when my funds would be released to me. XXXX XXXX at their Tennessee office who is a supervisor of another supervisor could not provide me with answer as to why SunTrust is holding my {$5000.00}. No one at SunTrust can answer why or when? I was given another number for their Account Security and Claims team at XXXX. This is an off Shore customer service call center. No one there could tell me what was going on or when my money would be received,