davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

The attached exhibits clearly display each violation of federal law per the FDCPA against my consumer rights that XXXX  XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not a loan and I am not a borrower instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX XXXX XXXX account # : XXXX should be deleted from all 3 of my credit reports ( Equifax, XXXX, XXXX  ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Consumer complaint received 2022-01-12
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. (MN)

A revolving credit account held by XXXX financial is showing up on my credit report by experian. XXXX was saying that I was a co-signer on this account, however I never agreed to be a co-signer and I never signed any documents agreeing to be a cosigner. I did not, in fact, co-sign anything. The bank, XXXX, has agreed that they do not have my signature on anything related to this account, and have removed me from the account. Experian, however, is keeping the account and the history of it ( with a late payment from the person who owns the account ) on my credit score. 
I opened a dispute in XX/XX/2022 with Experian regarding this account and sent in documentation regarding the fact that I never signed to be a co-signer and the bank does NOT have my signature for this account and the bank is fabricating any notion that this account has or had anything to do with me. With no proof what-so-ever that I ever co-signed for this account, however, experian came back from the dispute stating that the bank confirmed that it was my account and left it on my credit report.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have been denied credit from XXXX since this year and since I filed my first dispute with Experian they refused to remove the inaccurate information I send the request to demand arbitration and no response arbitration was to be started XX/XX/2023 Experian removed one correct address on my credit report experian allowed the employee to create false addresses on my account linked off of accurate addresses I have been denied my right to apply for credit I have been in need of a new car since XXXX of 2023 Experian inaccurate information denied me my rights to use my credit I have contacted a lawyer today I have been denied credit line increase from the soft inquiries within the month of XXXX XXXX and 6 months prior I want financial compensation for my ongoing pain and suffering and not being able to use my credit as needed I want this company fined as well I have no student loans as stated by Experian my dept is not XXXX dollars as listed on this credit report its been over 10 months
Consumer complaint received 2022-10-06
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/ Balance : {$200000.00}
Consumer complaint received 2022-08-27
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. (VA)

XXXX had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit report. I have contacted transunion on multiple occasions and they refuse to help even though their servers where compromised. I was informed by FTC to file here to escalate and have the following inquires removed as I have not gained anything from them except loss in score and credit worthiness. 
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 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 These inquiries where replaced on my XXXX in batches by XXXX illegally without my concent . I did not include factual inquiries. Please without discrimination delete these erroneous inquiries according to FTC GUIDELINES as soon as possible.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX/XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Consumer complaint received 2022-08-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXXXXXX 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. 15 U.S.C 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (NY)

XXXX XXXX has been billing me since XX/XX/XXXX and have placed charge offs on my credit profile until XX/XX/XXXX. I have disputed this with the credit bureau on XX/XX/XXXX to no avail and as a result, my credit has been negatively affected because of the many charge offs that they have placed, and to add insult to injury, they placed another charge off for XX/XX/XXXX. 

I have never bought a single item from this business and they are fraudulently billing me for a debt that I do not owe. I do not contain any receipts, because like I mentioned before, I never bought a single item from them.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC (MI)

I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!
Consumer complaint received 2021-09-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (OH)

I, XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2011. A consumer credit transaction in which a finance charge was involved. XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash or cash equivalents. However, Regional Acceptance Corporation collected a cash down payment of {$1000.00} USD ( see attachment ). In addition, the finance charge is to include insurancedespite that fact, Regional Acceptance Corporation required I obtain my own insurance policy separately.
Consumer complaint received 2021-07-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX of 2021 I contacted Wells Fargo as I was on payment suspension due to covid. I explained that I would like to restart making payments and apply for the FHA no interest to be added to the end of my loan. I was informed that the amount I owed was more than the FHA was willing to do ( around XXXX ). I was told that if I made a payment of aprox. {$4000.00}, I would be under that threshold and I would be able to do the FHA loan. I made the payment and called back to Wells Fargo to start the FHA loan process. I was told that it was being processed and I would hear from someone soon about how the process would work ( paperwork, etc ). Today, I received a loan modification via XXXX with a whole new 30 year note? This is NOT what I asked for, was ever told that I was getting, nor is something that I would EVER agree to. Every time I call them it's as if they have no clue what they are doing. At this point I just feel that they are trying to take advantage of the situation to benefit themselves. If I had not read this agreement closely I could have started a whole new 30 year loan after I've already been paying for over 21 years. All I'm trying to is make things right with Wells Fargo and they have made it extremely difficult to do. I do not believe Wells Fargo is following the CARES ACT and are looking for opportunities to take advantage of it's customers.
Consumer complaint received 2019-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I was currently XXXX overseas as a XXXX XXXX  XXXX  XXXX XXXX XXXX. My house loan had recently been transferred from Chase Bank to XXXX XXXX. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with Chase Bank ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, Chase Bank, and XXXX XXXX   to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (TX)

I'm contacting you because XXXX contacted me, someone opened an account using my name and purchased a XXXX tablet this transaction was identity theft. I had nothing to do with this transaction, I have provided a police report to XXXX and then turned this over to their collection company True Accord. I've communicated and sent documents to XXXX and True Accord. 
I am asking for help from the Consumer Financial Protection Bureau because XXXX closed an account out and then released an address where I never lived or visited a credit bureau. 


XXXX XXXX
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have two personal loans on my credit report from XXXX. I have no idea what these are or the amounts. The loans have no account numbers on the report and XXXX is no help. the loans are for {$18000.00} and {$27000.00}.
Consumer complaint received 2016-06-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (KS)

I am a XXXX American I have been treated wrongly be Ally auto loans I have made XXXX payments to this company and they have added XXXX of extra fees amd late charges the currently have my vehicle out for repossession and say that I have only made XXXX payments and the rest of my money goes to there extra finance charges they sent people to my residence at XXXX and beat on my garage doors and make threats to me and my wife this company is very unprofessional and greedy I call in and no one can explain all these extra charges I can never get my account current because of everything they add in the charges get more and more
Consumer complaint received 2022-12-16
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. (NC)

In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-27
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. (OH)

There are inquiries on my transunion report that I have disputed that arent mine. I didnt authorize any of these inquiries. Transunion is not removing these. Which is having a big impact on my credit score
Consumer complaint received 2023-07-27
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. (NJ)

I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

XXXX and XXXX alerted me to a " Attempt of Collection '' by Americollect Inc. No such debt exists. Claims to be collecting on behalf of " XXXX XXXX XXXX XXXX XXXX '' which tells us we have a CREDIT on our accounts. 

Prior to the appearance on our credit reports, we were never contacted by XXXX XXXX XXXX XXXX XXXX or Americollect Inc., and following this appearance on our reports, when we contact both XXXX XXXX XXXX XXXX XXXX or Americollect Inc., neither can offer an explanation as to why their names are on our credit reports, and Ameicollect has not replied in any fashion to our requests for explanation nor expulsion from our records. 

Proof of CREDIT from statement PREDATING filing with credit bureaus is attached
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (SC)

Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX - XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX
Consumer complaint received 2023-07-27
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. (NC)

In XXXXXXXX XXXX XXXX I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXXXXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Consumer complaint received 2021-07-23
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. (GA)

Equifax received my FTC report and communicated to me that they wont comply for a reason i find to be fraudulent in its nature. One of the representatives from Equifax told me that I cant put more than 5 inquiries on a report, No evidence supports this claim.

Another representative told me they only remove Hard inquiries can be removed ; the law does not differentiate any distinctions between hard and soft inquires. They are telling me that they wont remove the inquires. One representative lied and said that i gave Written Permission to furnish any information to my report. I asked her to send me proof and she refused.
Consumer complaint received 2019-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

My bank closed my account when I deposited a check on XX/XX/2019 after calling them multiple times they were very rude and aggressive to me, I never thought SunTrust bank would have been so nasty to anyone.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, some people sent me two checks for a job, the first check for {$1500.00} and the other for {$1000.00}. It appeared deposited in my bank account when these same people told me that I had to send them part of the check. The same bank called me and told me that what was happening with my account was a fraud that did not send more money, when I had already sent {$1000.00} dollars. This morning, XX/XX/XXXX, I wake up with the fact that I have the account at- {$960.00} because the bank canceled those checks after days. I called the bank and they told me that they could not return my money, that the return of my money had to do with the other bank and not with them and that they most likely will not return anything to me, despite the fact that they themselves gave account that it was I was the victim of a fraud