davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX, 2022-Received bank statement from Truist for an account I did not open. 

Contacted Truist fraud the following XXXXTalked to XXXX? XXXX? at Security and Claims and he stated he would do a fraud report and freeze account. 

Filed multiple reports with local police, FTC, etc. 

Received a response from XXXX XXXX in response to CFPB complaint. 

I have continued to receive statements and overdrawn balances which should not occur if an account is frozen/closed!!! 

Today, XX/XX/2022, Truist sent a letter stating they have closed the account and I owe them {$58.00} which includes a {$30.00} charge off fee. I have asked them repeatedly to close this account and they let it rack up another overdrawn charge the following month. 

I would like to make a complaint against Truist for collection tactics. This account " has now been sent to our department for collection. '' Called Fraud at Truist again today and XXXX??? stated that no fraud report had ever been filled out. She gave me a claim number today and said an investigation would take place. This company is shady and needs to be investigated. I couldn't even get in contact with anyone at their number listed online as it didn't recognize the account number. XXXX also said that even while it was being investigated, I would continue to receive letters asking for payment. How is this legal??? I never opened an account. They have no customer service help available. They aren't filing reports they state they are. Then they continue to harass people who aren't even customers.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

Company is reporting to three major credit bureaus that I owe money for a phone company that I have never been associated with. I want them to remove this collection from my credit reports and stop attempting to collect on something that I do not owe. I have not attempted to contact the company because they just want me to provide personal information so that they can pad their file with the information I provide them as if they already had it.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Lexington law firm told us we had until the XXXX of XXXX to cancel me and my husband was deceived woke up money was already taken this company is a scam and we want our money back I cant believe we fell for there deception. XXXX XXXX and I was trying to rent to own which the gentleman put Lexington on the line we were charge {$4.00} then we had until the XXXX of XXXX to cancel which is today I cant even access my account well we woke up at XXXX ; XXXX am on the XXXX today and was charged already we fell taking advantage of.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # XXXX
Consumer complaint received 2021-02-11
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: Byrider Franchising, LLC (IA)

On XX/XX/XXXX CNAC ran my credit with my verbal consent. They did not have the product I wanted so I told called to change my mind about furthering the application process. 

On XX/XX/XXXX CNAC ran my credit again without my verbal or written consent. I called XX/XX/XXXX and was told I would get a phone call relaying the solution to me. I did not receive a call that day nor until XXXX on the next day. I called again and was told my the CNAC employee she would personally email me when the solution is put in place. I do not trust them whatsoever as I did not give any other information or idea that I was going to purchase.
Consumer complaint received 2022-05-04
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 (CA)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also States that a consumer reporting agency can not furnish a account without my written instructions. 

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 2020-06-04
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}
Consumer complaint received 2022-06-12
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)

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions. 


I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed.

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-01-31
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've recently checked my credit report from Experian and I was shocked to see the previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX  XXXX XXXX ( ACC NO : XXXX* ) and XXXX  XXXX XXXX  ( ACC NO : XXXX* ) fraudulent accounts were disputed and deleted in XX/XX/2019. However, Experian reinserted the fraudulent accounts after two months without notifying me.
Consumer complaint received 2022-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

i notice some alleged debts from ic systems on my credit report that i dont owe nor has any dealing with.I am asking for assistance in deleting these inaccurate accounts from my credit report or send me the validity of the alleged debts that i requested. see attached..
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (FL)

A check in the amount of {$63.00} was processed through my bank checking account on XXXX XX/XX/2021 to Avant Credit Card Services, but is not being reflected in the XXXX  credit card balance today, XXXX XX/XX/2021. The customer service representative ( s ) said that they have no record of the payment or the check being received but the check has been debited from my account.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

On XX/XX/2018 I discovered HUNTER WARFIELD INC # XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately as you are in violation of FRCA regulation.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has 7 hard inquiries on out Transunion, XXXX, and XXXX  credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Consumer complaint received 2020-11-05
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. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report. 

I also sent a vaildation to Bankruptcy court and they stated that they don't report date to a 3rd party furnisher or company .. So it's impossible for them to hold this on my credit after the fact all of my info have a security freeze on it with all 3rd party furnishers.. 
XXXX XXXX XXXX XXXX XXXX  XXXX Please help
Consumer complaint received 2018-10-16
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. (PA)

In 2012 my brother opened a car loan with XXXX. We have the same initials but different middle names. Some how the repo is showing on my credit report. I disputed this a number of times but nothing was ever done about it. I contacted XXXX a number of times in regard to this matter yet i'm still being held responsible for this. I didnt open this account, and is a mistake or fraud on my brother part ( which he is known for ). XXXX cant prove its my account because I never opened this loan or checking account with XXXX. Recently I decided to buy a home but this repo account is hindering me. This is mistake and or fraud. XXXX cant valid that this is my account because I never opened it. They even threaten to sue me. I just want this to be over.
Consumer complaint received 2021-04-10
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 have a letter sign by a judge stating that these Bankruptcies were filed in error. How can Equifax, XXXX and XXXX suppossibly had verified this?? I have the proof that this account does not belong to me.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MN)

I contacted Hunter Warfield in regards to an invalid debt they are reporting on my credit report. I requested a validation of debt, which after 30 days Hunter Warfield was unable to verify the debt and sent a letter stating they would suspend any debt collection and reporting to the credit bureaus. I received the letter on XX/XX/XXXX and on the same day I disputed the debt with XXXX   who came back and said the debt was still valid, because the creditor was still reporting the debt. I contact Hunter Hunter Warfield on XX/XX/XXXX and they stated they are still reporting the debt. I spoke with a manger at Hunter Warfield who requested the letter they sent me and told me they would look into it. They continue collection calls daily and tell me they are still reporting.
Consumer complaint received 2023-03-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (TX)

I was checking my email for an email I was told I had been sent ( job interview ), went to search spam, and found 3 emails that all claim to be from attorneys and threatening to prosecute. I've pasted the email content below.

" We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. 


UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER " Also, when I replied to this one, she sent me a link that looks suspicious. I contacted the original loan place and they haven't yet sold my debt/acct.
Consumer complaint received 2020-12-14
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. (GA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : XXXX  Account XXXX ( Under maiden name, XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Guidiville Indian Rancheria (PA)

I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXXXXXX about a loan from a firm called Multi Source for {$100.00} in 2016. I have no knowledge of such loan and all debts owed were paid in full in our XXXX XXXX bankruptcy. 
I asked the representative, who stated that her name wsas XXXX, for additional information and clarification at which point she began screamingthat I had all of the information and that I should tell it to the judge and then hung up on me. I called back to find out more information and was hung up on again. 
Plainly and simply put, we have no outstanding debts and I have never dealt with this company Multi-Source. I have never recieved any documentation concerning this account nor have I recived any documentation from XXXX XXXX XXXX XXXXXXXX. 
This repeated tactic is apalling and horrible. I have no information about this and I am being harassed about something that I have bo information about from either party. In addition, the tactics and abusive behavior of the collectors is unacceptable. If this is true, why is there no documentation. 
Your assitane in this matter would be greatly appreciated.
Consumer complaint received 2018-04-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

I opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.
Consumer complaint received 2023-04-08
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions