davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report Gramm Leach Bliley Act ( GLBA ) Privacy Notice SHEFFIELD FINANCIAL a division of Truist Bank Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signedinvoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Im challenging this account with Sheffield of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the XXXX I will further pursue all of my legal remedy without further notice to SHEFFIELD FINANCIAL. I have attempted to resolve this matter formally before filing a complaint and lawsuit! SHEFFIELD FINANCIAL a division of Truist Bank actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. SHEFFIELD FINANCIAL are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH SHEFFIELD FINANCIAL. I DO NOT GIVE SHEFFIELD FINANCIAL a division of Truist Bank AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Consumer complaint received 2018-10-18
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: Experian Information Solutions Inc. (NC)

XXXX dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until 2020. I want it removed! Hope this time it gets handled correctly!
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (HI)

Citi Bank credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this Citi Bank credit card would not work with me. XXXX owed was {$6900.00}. For the past 4 years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. 

In accordance with the Fair Credit Reporting Act below, the following accounts have violated my rights : 15 U.S.C. 1681, Section 602 A. States : I have the right to privacy 15 U.S.C. 1681, Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX XXXX  has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XX/XX/XXXX. I called in XX/XX/XXXX and an XXXX XXXX XXXX  account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from XXXX XXXX XXXX  XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called XXXX XXXX and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX  returned a decision to me stating XXXX XXXX would not change this discrepancy. I was then told by XXXX XXXX to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days XXXX after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and XXXX XXXX has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I initially filed a complaint XXXX. I want to file another complaint because this is an urgent matter. I must get my credit freeze lifted from Experian but NO ONE AT THAT COMPANY WILL TAKE OWNERSHIP AND HELP ME. I WILL ANSWER ANY AND ALL QUESTIONS TO VERIFY MY IDENTITY. NO ONE AT EXPERIAN WILL EVEN ASK ME QUESTIONS INSPITE OF ME PROVIDING MY DEMOGRAPHICS, INCLUDING SOCIAL SECURITY NUMBER. 

On XX/XX/20, after I provided an Experian rep all verification info., she asked me for an email address. I provided it to her. Her response was, " your email does not even generate questions for me to ask you to verify your identity ''. She said " you do not have an account with us. '' WHAT DOES THAT EVEN MEAN??? 

Of course, Experian has my credit information. I have worked for 47 years. 

I was not afforded the opportunity to answer any questions to verify my identity ( contrary to XXXX  and XXXX  ) The rep also stated I lifted the freeze on my account from XXXX XXXX, 2020. I DID NOT DO THAT!!!! If I did, I certainly would have remembered HOW TO LIFT A FREEZE AND WOULD DO IT AGAIN THIS TIME. 

I believe someone else lifted that freeze and Experian permitted it. NO ONE ELSE BUT ME HAS ACCESS TO MY PERSONAL FINANCIAL INFORMATION. NOW IT IS IMPOSSIBLE TO GET TO AN EXPERIAN EMPLOYEE WHO WILL ASK ME VERIFICATION QUESTIONS OVER THE PHONE. 

I UPLOADED VERIFICATION DOCUMENTS TO THE EXPERIAN WEBSITE ON XX/XX/20. NO ONE AT EXPERIAN CAN SEE THOSE DOCUMENTS. Why is that?? 

Experian is preventing me from refinancing my home. I am missing the opportunity for low interest rates due to Experian 's incompetence and obstructive business practices. Both XXXX  and XXXX  lifted the freeze on the SAME DAY I REQUESTED. 
Experian needs to do their job and solve customers issues caused by their incompetence.
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have on numerous occasions explained to this company that this is not my issue. I have reported identity theft to all other agencies to include IRS, Social Security, other creditors, USPS, etc. and all have resolved this issue. This company Portfolio Recovery will not listen and continues to harass and damage my credit. Looking at my individual credit reporting, all is exceptional except this XXXX  company. They even have me living in a different state. I am looking into my legal ( lawsuit ) options. They need to get their act together and stop the harassment and damage!
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendleton Capital Management (OH)

YOUR COMPLAINT I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CA)

For about 6 weeks, we've been getting repeated robocalls from TransWorld Systems , Inc. saying we have an outstanding debt. We 100 % do not. This is absolutely a scam. The call is recorded and tells us to call another number, but we're not going to do that because we are 100 % certain we do not owe any money. I've tried to block some of the calls with my carrier, but they continue to pop up under different telephone numbers ( also a sign of a scam ), including : XXXX XXXX XXXX If we owed money we would have gotten notification in the mail. None has come. And a quick search online shows this company is especially egregious. Indeed, it looks like CFPB has tried to reign them in in the past, but clearly it hasn't worked : XXXX XXXX XXXX
Consumer complaint received 2018-10-18
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)

XXXX XXXX is reporting the wrong information to the three credit reporting agency. I have disputed this account to Discover Card, TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have made numerous phone calls to XXXX but the issue has not been rectified. I filed a complaint with the Better Business Bureau ( XXXX ) and CFPB ( XXXX ) in XXXX. The executive office of XXXX XXXX responded that the information being reported is accurate. I sent certified mail to TransUnion, XXXX and XXXX in late XXXX or early XX/XX/XXXX disputing this inaccurate information that is being reported by XXXX Card. I just did a credit check on XX/XX/XXXX and the information is still inaccurate. I have started a legal action against XXXX XXXX, TransUnion, XXXX  and XXXX. 

My credit history should report the payment being charged off in XXXX of XXXX, not XXXX of XXXX. On XXXX, it is reporting multiple charge off months and late payments but none of my on time payments which is not an accurate reflection of my payment history. It is showing multiple charge offs months on XXXX up to XX/XX/XXXX. This is gross FDCPA and FCRA violations. I have extremely stressed out by this ordeal. I wrote a demand letter to all three credit bureaus to delete this information from my credit profile since it has failed to report accurately but to no avail.
Consumer complaint received 2021-10-11
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. (TN)

Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts
Consumer complaint received 2021-10-11
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)

Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX and my wife and I took a used vehicle loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. We were unable to keep the car and had it Voluntarily repoed. 

They sold the vehicle at a auction and we never got a amount owed from the sale. Now XXXX is reporting late payments on a account that shows still open from 4 years ago on the car payment. Also that we owe a amount we have never seen. States account is still open and active. This is deceptive meant to destroy my credit. Also shows a bogus bank account when I had a savings account with them that I closed as owing money. Both accounts have been reported as recent as XX/XX/2019.
Consumer complaint received 2018-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (MN)

A collection agency called Diversified Adjustment Service , Inc. has been calling and leaving voicemails indicating that they are a collection agency. These are neither XXXX nor XXXX based voicemails. The 3rd party collection representative states outright that they are a debt collector. There is no pause to allow me to stop the voicemail, no mini-miranda and nothing to try to verify they are calling the correct consumer. I have been a debt collector for over a decade and I know that these multiple voicemails, of which I have saved two of, violate the FDCPA.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states 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 2022-06-15
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. (PA)

In accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section : It also says states 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 2021-10-24
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: Experian Information Solutions Inc. (AL)

I found out that a large amount of inquiries were reported on my credit report without my written or verbal concern. Here 's the list of all the companies that obtained my credit report or information in an unauthorized manner : 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 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 XXXXXXXX REPORTING INNACURATE INFORMATION- *SETTLEMENT LETTER WAS FILED OR SENT TO ALL THREE CREDIT REPORT AGENCIES*
Consumer complaint received 2019-03-26
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TN)

I purchased a vehicle. Wells Fargo was the lender. Wells Fargo repossessed my vehicle even though I sent in my payment. Now they sent a check of a little over XXXX dollars. Wells Fargo will not remove this from my credit report. My husband was the primary signer on the account, therefore, I feel this item should be deleted from the credit report. In addition according to the letter, we ( I ) received from Wells Fargo I have the option of seeing an attorney to pursue legal action against Wells Fargo. All I want is for them to remove this item from my credit report and remove from my husbands ', XXXX XXXX XXXX, credit report and I will not pursue action against them. This has made my credit score go down. I lost a job paying over XXXX per year. Not only that I have tried to work with them to get this item removed/deleted from our credit file. All three credit reporting agencies tell me it is up to the creditor to remove and how they report to the credit bureaus. This is Wells Fargo mistake and I nor my husband should have to pay the penalty of their mistake by making our credit scores go down. All we want is for Wells Fargo to delete the item from our credit reports. Thank you
Consumer complaint received 2018-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Reference Complaint No. XXXX ( Navy Federal Credit Union ) Navy Federal Credit Union sent me an amortization schedule for my loan which was not my request. 

As there is a $ 1,999+ balance on my loan although all the scheduled payments have been made and the loan has matured, I requested the following information : 1 ) The " late charge '' total represented in the remaining balance 2 ) The total amount of interested represented in the remaining balance 3 ) Whether NFCU has charged me interest on their late charges 4 ) Whether NFCU has reported the late charges ( their profit ) to the credit bureaus as late payments I think I have a right to get this information and the amortization schedule they sent does not list items 1-3. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.