davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

I've tried all week to get my online account transitioned from SunTrust to Truist. I've been on hold for hours at a time ; had my calls disconnected ; been told that I'd receive a return call from two different account specialists... but never received the call ; was informed from one of their digital account specialists that many literally have not been trained in how to return a customer 's phone call ; and that my on line profile could not be viewed by your digital support team in order to ascertain why my on-line user ID and password credentials is not being recognized in their system. This has caused me significant hardship, which included an inability to use my quicken software.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

file a dispute on XX/XX/2021 with XXXX, XXXX and Equifax about inaccurate things and unknown things on my credit report. To this date 95 days I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored on my disputes. Also, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. If not deleted I will fill for limitation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I DEMAND THESE ITEMS DELETE RIGHT AWAY.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

Last year I was notified I owed XXXX apartments {$71.00} for a bill after I moved from the property that was turned over to collections. I went to the property and paid it. I sent National Credit Systems a letter. I disputed it several times. They are still reporting the item as unpaid and have since caused me to be denied on other apartment applications.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I applied for XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/XXXX and was denied. 
It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter sent to me dated on XX/XX/XXXX is both a proof and evidence that I have been discriminated against. 
XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number.
Consumer complaint received 2020-07-25
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. (OR)

reporting wrong address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY sent ftc
Consumer complaint received 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (FL)

I am writing in response to your recent communication regarding the alleged debt associated with the above- reference account. I am requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

I dispute the validity of this best and request that you provide the following information : XXXX. Verification of the original creditors name and address XXXX. Documentation demonstrating that I am contractually obligated to pay this debt XXXX. Copies of any statements or invoice related to the debt XXXX. The original account number and the date this account was opened XXXX. The complete history of this account, including all transactions and charges Please note that until you have provided the requested documentation, I do not acknowledge any liability for this alleged debt. 

Furthermore, I request that you cease all collection efforts until this matter is resolved and the debt is verified. Any further communication from your agency regarding this debt should be in writing and sent to the address provided above. 

Please consider this letter as a formal dispute of the debt under the FDCPA. I expect a prompt response within 30 days from the date of your receipt of this letter. 

Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PARAMT REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (LA)

I recently realized that my money lion credit builder loan is reporting at be closed and charged off thru all 3 of the credit bureaus. Even after bring the account to a current status the incorrect information had repeatedly been entered on all 3 of my credit reports. The purpose of money lion is to help individuals with troubled credit improve their financial life. Currently my account status, balance and the amount of the loan is showing incorrectly : I have spoke with and emailed their customer service to include screenshots and the response is that the account is accurate. After filing a dispute for the same thru all 3 credit bureaus ; this account is being illegally validated as being account to each of them even with the submission of the screenshots from this companies website showing the payment history and current status of the loan. My next payment was due yesterday and I did not make it because an account can not has both an open and charge off status.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX  use, XXXX XXXX
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (FL)

I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX, XXXX XXXX XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt 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. 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX and XXXX continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (CA)

I applied for a delivery driver position for XXXX and XXXX These companies use the same company to do background checks which is the company known as " Checkr ''. I have submitted documentation to this company providing proof that their investigation report was inaccurate. It stated that my license was expired or suspended. I personally went to the dmv to pull my driving record which shows my license status as valid. I have tried to contact XXXX  and XXXX who leads me back to checkr to submit this documentation. I've tried to call the number provided by checkr to reach customer service. Upon this phone call I am placed on a long wait trying to get someone on the line for their automated system to come back and tell me they are closed. The hours are mon thru Thurs XXXX to XXXX pt and Friday XXXX to XXXX pt. I called at XXXX XXXX time. Everything is a run around with no help or update. Once you are rejected from a company there is no way to re apply even if a significant amount of time has passed since the disqualification. No matter what you submit to checkr they have no desire to send over the correct information to these platforms
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (OH)

One I have information relato to me in another state I never lived in. And 2 I owe 2 banks and Ita bankruptcy but I got no notification of such also my ex filed unemployment with my personal information without my consent.
Consumer complaint received 2022-07-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Navient not only reported me to credit bureau during my forbearance period but continues after the COVID forbearance to report me as late while I was in XXXX  school XXXX. 
This has been since 2020 now its affecting my ability to obtain loan forgiveness because I am in a public service career field as a XXXX XXXX.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I fell behind in my credit card bill ( high interest 22 % ) in XX/XX/XXXX. I spoke with representatives in late XX/XX/XXXX and early XX/XX/XXXX to get onto a payment plan to get up to date with my bill. I also attempted to close my account and go onto a payment plan due to my financial hardship ( as I had done with other companies ). The representative told me to call back in a week as I did not qualify for their plan but given no reason. I called back in a weeks time but they would not offer any solution. I would pay the bill when I could but can not catch up due to the high interest and back payments. I have continuously called Capital One for weeks to join a payment plan but they continue to tell me to " call back in a week and see if I qualify then ''. I've spoken with managers and the executive office but nothing. My bill continues to fall behind despite trying to resolve this issue and I am at a loss and will not be able to pay my current past due balance and considering bankruptcy with no resolution despite my best efforts. I filed a complaint with the CFPB to try and deal with this abhorrent customer service and receive a call from the company. The first call in late XX/XX/XXXX with the executive office disconnected with no assistance but to say " call back in a week ''. I finally spoke to a representative who put me on a " workout program '' which lowered my interest and established a reasonable 60 month payment program. Believing I finally have resolved this issue I was surprised to receive a letter two days later saying I was ineligible for the program. My account continues to be past due and I can not pay the past due. They need to work with their customers who are trying to pay back their debt. This is unacceptable.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022, XXXX, and XX/XX/2022 my credit report was accessed and utilized for promotional purposes without my written consent authorization or permissible purpose by Capital One AUTO Located at XXXX XXXX XXXX XXXX, TX XXXX. Phone Number XXXX. I Have sent communication to the Company which will be attached down below.
Consumer complaint received 2022-03-02
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. (VA)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I see on my credit report these accounts are unverifiable invalidated in accurate and questionable if everything is not reporting 100 % accurate it must be removed. According to law unverifiable in accurate accounts must be removed and if youre on able to provide me a copy of the verifiable proof within 15 days.
Consumer complaint received 2022-06-17
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. (FL)

I dispute all of the following debt In accordance with the fair Credit Reporting act XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX was added with no account number I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY TRANSUNION! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which TransUnion and XXXX are taken advantage of me as a consumer and breaking protection laws. TransUnion is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of TransUnion 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, TRANSUNION IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and TransUnion is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

A mortgage lender attempted to pull credit file from Equifax but unable to do so. I called Equifax and there seems to be no issue ( no freeze, etc. ). The lender is still unable to pull credit file from Equifax.
Consumer complaint received 2021-06-02
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: WELLS FARGO & COMPANY (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A few years ago, Bank of America closed my checking accounts and would not tell me why. At this current time, I need to be able to bank with Bank of America because I am one of my mothers guardians and oversee her finances.

I need someone to tell me I was forbidden with doing any banking with Bank of America even though my account had been open for over 30 years with absolutely NO issues ever!!

It never made sense and no one was allowed to tell me what happened to cause this action by BOA.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My payment for the month of XX/XX/2020 shows as XXXX days late. However my due date was XX/XX/XXXX and my payment was processed on this date. I have spoken with Capital One and they advised I was not XXXX  days late but I need to peak with credit bureaus and I have and they have not changed my payment record.
Consumer complaint received 2023-03-26
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. (TN)

Experian showing credit score decreased to XXXX of XX/XX/2023. I will attach 3 credit reports from my Experian credit file that will show that my credit score not being adjusted after removed items found on my credit file. Also, the late payments with XXXX XXXX XXXX XXXX which shouldn't be reported on my credit file per frca 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.