davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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: OneMain Finance Corporation (AR)

I submitted a complaint. The company responded and said they have the loan application showing it was me that took out a loan. I have never lived in XXXX Alabama and I have filed multiple identity theft reports to get this account removed from my credit report. The company also didn't send any copies of ID or social security card. This account is not mine. Delete it from my report. I have also filed a police report against this company
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF THE WEST (NY)

On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (KS)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (TX)

I received a call from LTD Financial Services ( XXXX ) XXXX on XX/XX/XXXX to settle a debt from XXXX XXXX XXXX Account # XXXX. The full amount owed was approximately {$960.00} and I was offered a settlement at {$560.00} - they record all of their conversations. The call occurred at XXXX hours and lasted 7-10 minutes on XX/XX/XXXX - They did not honor that offer despite me agreeing to the offer and giving them my banking information to conduct an ACH debit.
Consumer complaint received 2022-08-26
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2020-07-26
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. (MI)

My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, On XXXX  I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XXXX 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/. Therefore, your response was due on or by XX/XX/. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX  to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NY)

I have four high yield savings accounts open with Synchrony Bank. Those accounts were opened with the help of my daughters, who are fully authorized to help me with my finances. In the aggregate, those accounts hold {$250000.00}. I have repeatedly called Synchrony Bank with my daughter to verify my identity. I repeatedly advised the Synchrony Bank representatives that my daughters have full authority to discuss my finances with them. On XX/XX/2023, two transfers that I scheduled from two of my non-Synchrony Bank accounts into my Synchrony Bank accounts were initiated. Today, XX/XX/2023, transfers to and from my accounts were suspended without warning or explanation. I again called Synchrony Bank again with my daughter and I again verified my identity. The Synchrony Bank representative said that my accounts were under review because they could not verify my identity, even though I had answered all the security questions they asked. Then, this afternoon, Synchrony Bank suspended access to my accounts and stated that the accounts are under review and that I may not have access to my funds for up to 60 days. This is unacceptable. Synchrony Bank does not have legal authority to confiscate my own funds from me without explanation and without recourse. I will be sending a copy of this complaint to the New York Attorney General.
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: Experian Information Solutions Inc. (LA)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
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. (LA)

In accordance with the fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2020-07-26
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: EQUIFAX, INC. (FL)

XXXX - I've sent numerous letters describing how they're violating my consumer rights ... 1. INVALID DATE OF LAST ACTIVITY XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX EQUIFAX XX/XX/XXXX 2. PAYMENT HISTORY I was NEVER LATE and How can I be 30 days late on XXXX, 60 days late on Equifax & nothing reported at all on XXXX  at the same time? This is a clear violation OF THE FCRA! I've asked them to Remove or update my report to Paid as Agreed!!! 

DEPTEDXXXX - account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2. PAYMENT STATUS How can I be late 120 days on XXXX and Current of XXXX? The information is coming from the same furnisher. 
3. PAYMENT HISTORY How can I be 120 and 150 days late at the same time? How can I be 120 days and 180 days late at the same time? This is inaccurate reporting and a violation of my rights as a consumer! PLEASE REMOVE THIS ACCOUNT!!! 

U S DEPT OF ED/XXXX - This account needs to be removed for the following reasons 1. INVALID DATE OF LAST ACTIVITY XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX 2.  INVALID DATE OF LAST PAYMENT XXXX SHOWS XX/XX/XXXX EQUIFAX SHOWS XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT!!!
Consumer complaint received 2020-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I filled a credit report dispute which was received and opened for investigation on XX/XX/24. I asked Experian to reinvestigate and send me all information gathered and used to Verify this debt is mine. Try the same day the dispute is open they update and close the inquiry for XXXX XXXX XXXX. How can you update something that quickly yet provide no explanation?
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

I paid the full balance of the credit card in question on XX/XX/2022 for an amount of {$1200.00}. The transactions was reversed. The XXXX  Rewards app does not have the option to view or change the account number that is being used to pay the card. So I assumed I had entered it incorrectly. I then added the checking account and routing number again to pay the card and copied and pasted directly from XXXX bank App and triple checked the information. I then attempted to pay the balance again on XX/XX/2022 for {$1200.00} and the transaction was reversed again a few days later. They charged me interest for late payment and then closed my account. They cited suspicious activity for the reason my account was closed but they would not confirm with me account information they had on file. They would not read it back to me. 

I opened a complaint but the complaint was not resolved in my favor. 

I attempted a third time to pay over the phone and currently am waiting the outcome.
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 — Account status incorrect
Company: BANK OF THE WEST (CA)

I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. 

I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. 

This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting.
Consumer complaint received 2022-08-26
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX car rental agree not to take a additional XXXX $ holding deposit from my account, but later on tried to debit the XXXX and it over drew my account.
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. (LA)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
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. (LA)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX on the lake apts, 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
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is mistakenly reporting me late in 2021. I made my payments satisfactory this year and I kindly ask the bureaus or CFPB or XXXX to remove this late payment in good faith. I have attached a copy of my bank statements showing payment made to XXXX and proof of my title.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

These inquiries on my credit report are fraudulent and should be taken off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These inquiries on my credit report are fraudulent and should be taken off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/22, {$4100.00} was deducted from my TD Bank account without my authorization by TD Bank. I was never contacted by the bank for the rational for this withdrawal. When I called and emailed them they ignored me and I still have never heard back. The bank blindly withdrew this without any contact to me prior and without my consent or authorization.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (KS)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-01
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. (FL)

I have called Equifax several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to advise them of the inquires on my report from XXXX XXXX, XXXX XXXX XXXX. The Bureaus in collections for the amount of {$460.00} Not only have I spoke with rude associates but have been told that there is nothing they are able to do about the unauthorized inquires and I have to call the company. I called XXXX XXXX XXXX XXXX  XXXX they have no information in regards to these inquires and was referred back to the credit reporting agency. I have disputed the collections with The Bureaus to validate my debit with my permission to place this alleged " debt ' on my credit file and Equifax continues to tell me that my debt is validated and will not advise me of how. I am a victim of their recent and previous security breach and they will not assist me. I have contacted the collection agency on XX/XX/XXXX and they will not provide proof that I gave them permission, instead they keep telling me that I have to pay them in order to get any information.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.