davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (AZ)

My issue is with Early Warning. 
On XXXX XX/XX/XXXX I attempted to setup autopay with XXXX XXXX XXXX but XXXX responded that they were unable to verify the bank account. XXXX provided contact information for Early Warning. 
I snail mailed XXXX a check from that XXXX XXXX checking account, on XXXX XXXX I received an email from XXXX indicating payment receipt. 
On XXXX XXXX I phoned Early Warning attempting to get a copy of whatever information they have/ use as a basis for Early Warning 's response to XXXX. 
During the phone call they wanted me to take a photo of the back of my driver 's license, attempted the process multiple times ( think it was at least XXXX ) - apparently unsuccessful. Also during the phone call the representative asked a number of questions ( presumably Soc Sec number, DOB, etc ) in addition to asking what state I resided in XXXX ( I was a high school sophomore living with my parents in Illinois ) and the representative asked if I knew some names- I think there were XXXX or XXXX names she mentioned, none of the names sounded familiar ( no idea if the surnames were maiden names or married names ). 
On XXXX XXXX ( per Early Warning 's instructions ) I went to a XXXX store to have them fax a copy of my driver 's license, passport, and passport card to Early Warning. On XXXX XXXX Early Warning sent me an email saying they were unable to process the request. 
On XXXX XXXX XXXX sent me an email indicating they have improved their XXXX XXXX system to benefit XXXX XXXX customers.
Consumer complaint received 2022-03-27
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. (PA)

In XX/XX/2022, all of my debt collection accounts were disputed and removed and my credit usage decreased below 30 % from my Experian credit report. However, my credit score did not increase by much higher points.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (IN)

On XX/XX/XXXX, I sent a letter via Certified Mail to Regional Acceptance Corporation regarding the account currently showing on my credit report. A copy of the letter is enclosed, stating my request for, among other things, the following : - Provide me copies of any papers that show I agreed to pay what you say I owe - Prove the Statute of Limitations has not expired on this account - Show me that Regional Acceptance is licensed to collected in my state On XX/XX/XXXX, Regional Acceptance sent me a letter advising they could not find an account for me with the information I provided. 

On XX/XX/XXXX, I again sent Regional Acceptance Corporation a letter requesting the same information I requested in my XX/XX/XXXX letter. 

On XX/XX/XXXX, Regional Acceptance sent me a letter, in which the only information Regional Acceptance provided is a payment history on the account. There is no paperwork showing I agree to pay any amount they say I owe. There is nothing showing the Statute of Limitations is still in effect ( In fact, the statute of Limitations in the State of Indiana has expired. It is 6 years. According to the documents sent by Regional Acceptance, this debt is 9 years old. ). There is nothing showing Regional Acceptance is authorized to collect in the state of Indiana. Furthermore, the address ( highlighted, XXXX XXXX XXXX XXXX XXXX is a different address than my address XXXX XXXX XXXX XXXX XXXX. 

As of the date of this complaint, the unverified item listed below remains on my XXXX  credit report in violation of Federal Law. XXXXXXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that Regional Acceptance verified that this item is being reported correctly. 

Yet, even after multiple requests, Neither XXXX nor Regional Acceptance has provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I sent all documentation to XXXX via Certified Mail on XX/XX/XXXX, and demanded the account be removed from my credit report. Today, the account remains. Regional Acceptance and XXXX are in violation of the FCRA and the FDCPA, and thus the account must removed from my report, or I am entitled to sue for {$1000.00} under the FCRA. 

Today, I tried to contact XXXX regarding this account. I could not get through to speak to a human.
Consumer complaint received 2022-04-10
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. (SD)

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 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, On XX/XX/XXXX I sent a letter to Experian requesting that my personal information ( addresses, employers, phone numbers, social security number, and date of birth ) be updated or deleted on my consumer report. I provided them with what should be updated/deleted and exactly how the section should appear with the correct information provided. After no action was taken, I submitted another letter on XX/XX/XXXX reiterating my request to have my information corrected. To this day, no action has been taken by Experian and my information remains incorrect.
Consumer complaint received 2022-04-10
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. (MS)

in accordance with the Fair Credit Reporting Act XXXX  Account AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATIONXXXX XXXXS. DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXXXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX DEPARTMENT OF EDUCATION-XXXX XXXX DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I, XXXX XXXX did not give Transunion, XXXX, XXXX written instruction
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, I attempted to make an ATM transaction for {$200.00}. from The XXXX XXXX in XXXX Florida. The transaction was DECLINE as you can see from attached data sheets provided by BOA. However, the Hotel charged {$500.00} to my ATM card. I did not authorize this transaction nor does this transaction have any supporting data showing that money was dispensed from the machine. I disputed this ATM transaction with BOA on XX/XX/2021. However, I received notice from BOA indicating that I authorized the transaction. However, the documents that BOA sent does not show authorization nor confirmation that the ATM machine dispensed {$500.00}. Therefore, I filed a fraudulent charge with BOA saying that I did not authorize the transaction as the records indicate there is no authorization and no cash dispensed. However, BOA refuse to refund my money. Can you assist with getting my money refunded from BOA, who charged this amount to my checking amount. I am attaching supporting documentation, showing my initial transaction for {$200.00}. declined. The {$500.00}. amount has NO supporting transaction data which indicates that this amount is charged without my authorization. Any assistance that you can provide in resolving this matter is helpful. Thank you!
Consumer complaint received 2022-04-10
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: Experian Information Solutions Inc. (AL)

Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.
Consumer complaint received 2020-11-09
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)

There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (ME)

Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-10
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)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX PXXXX XXXX  : XXXX # XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX : XXXX # XXXX 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 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX # XXXX 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 2021-05-14
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. (CT)

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2021, my phone was stolen with my debit card in the phone case. I am mediately reported this to capital One to ensure that my debit card and account was locked due to the nature of my information being compromised. A few days later I started to notice unauthorized transactions and fraudulent checks being deposited into my account. I followed up with capital one which they then froze my account and assets and said they opened up a claim. My account has always been in great standing, I have always had funds in my account and I have never even deposited a check into this account. The transactions that were unauthorized were at merchants Ive never even used before. I live in Arizona and the transactions took place in Texas and Illinois. Capital one denied my claim. And also close my accounts because of the nature of the situation. I am mediately submitted an appeal along with a fraud and identity theft report from the FTC. About a week ago capital one sent me a letter denying my claim due to the fact that my account was authenticated. They even included a report that shows that authentication took place in Texas and in Illinois and I have been to neither of those places. I lost about {$7000.00}. My entire savings. Capital one will no longer answer my emails and keeps informing me that there is nothing they can do. Only was I proactive about the situation but I am very frustrated and cant even pay my rent this upcoming month.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Not sure of date however i believe it was in 2019 that my vehicle was repossessed however i went the same day and paid all neccessary fees in which my vehicle was returned. I went to check my credit and was told there's a repossession fha is hurting my credit profile. I have paid all my debts and doing my absolute best to repair and this is the only thing in the way. I'm in search of help to remove this negative cloud off my credit report profile. Please any help in the right direction please. My car loan is from Fifth thrid bank i called them to assist and they forwarded me to this website
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX identity works compliment of XXXX XXXX bank XXXX. XXXX XXXX bank XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX, XXXX, XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX loans of Texas, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, cXXXX XXXXXXXX, ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXXk, XXXX bank XXXX XXXX XXXX XXXX used to be XXXX XXXX XXXX XXXX FOR XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX in 2020, mt past emails from XXXX XXXXnd XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to XXXX
Consumer complaint received 2022-04-10
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: WELLS FARGO & COMPANY (MD)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, WELLS FARGO HM MORTGAGE XXXX, XXXX XXXX XXXX CO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX, XXXX XXXX ( Bank ) inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX have violated my rights pursuant : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (TX)

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2018-07-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/XXXX XXXX XXXX filed civil suit for XXXX. My account shows a computer was shipped to me back in XX/XX/XXXX. The computer that is on my account and supposedly sold to me I never received and it doesnt even XXXX up with the order number on the account, the date doesnt match and even the address doesnt even match at the time they ship pied it to where I lived. XXXX has no filed a summary judgement Against me and everything I have to show them that this is all wrong they wont even look at it. And, I really thin this is unfair and not being handled correctly.