davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NY)

I had five checking accounts with SunTrustBank that were closed on XX/XX/20 without explanation. I received a letter in the mail stating that " the remaining funds in your accounts will be mailed to you in the form of a check within 5 business days. '' After never receiving my check, I contacted the bank via phone and was told that I would have to wait up to one year before receiving my funds for a reason that has yet to be explained to me. It's been almost two complete years and I have never received the remaining balance from my accounts. The totals in the SunTrust Bank accounts were {$3000.00}, {$100.00}, {$100.00}, {$100.00}, and {$150.00}.
Consumer complaint received 2022-05-19
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. (GA)

I received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined XXXX for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND EQUIFAX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Consumer complaint received 2022-04-09
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: CITIBANK, N.A. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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.

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 purpose.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

on XX/XX/2019 a dispute was made with EQUIFAX, XXXX and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. TRANSUNION AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " transunion interactive '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

I am contacting you about money that I lost from a Vanilla eRewards Visa giftcard. In XXXX I was issued 2 gift cards by my apartment complex through Vanilla eRewards as a signing bonus for my lease. Each gift card was {$1000.00}. 

I used these gift cards to pay for a travel package through a company called XXXX. Due COVID19 the trip was canceled and the money was refunded to the gift cards past the gift cards expiration date. 

Because the links that were given to me to access the gift cards were no longer valid ( past expiration ), for the last year I havent been able to access the credit card numbers and security codes to try to track down the money through your phone service. I finally found a screen shot of one of the gift cards and I tried the 16-digit card number on the credit card company 's phone service and it says the card doesnt exist because it is expired. 

I have also tried to work with XXXX to locate the money, and I havent been able to do so. I have attached email exchanges with XXXX XXXX who shared documents with me showing that they did refund the money to those cards. And below you will find all of the card information that I was able to locate for BOTH cards. 

CARD 1 INFORMATION : Card Number : XXXX Expiration Date : XX/XX/XXXX Security Code : XXXX CARD 2 INFORMATION : First 6 Digits : XXXX Last 4 DigitsXXXX Expiration Date : XX/XX/XXXX
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Bass & Associates, P.C., Attorneys at Law (AL)

My loan was originally provided through a company named XXXX ( XXXX XXXX XXXX XXXX ). I approximately began getting garnished back in 2018, at that time I received a letter from a separate company than whom is now receiving the funds. There was a period of time when I was being garnished at a different rate and it stopped without notice and began back at a different interest rate/amount bi-weekly seemed to be based off of my Gross Amount earned. I have been contacted by the company Bass & Associates who has not provided me with any information concerning the Loan, and will not share terms of the loan, including a current balance owed. At the time I reached out to XXXX   the Representative insisted that I set-up an account unknowingly of the terms or circumstances that I would be subjecting myself into, after already knowing I have paid approximately {$7000.00}. At some point in conversation I was told that I had a 0 % interest rate with a balance of {$5000.00} with no proof of statement or explanation of terms. The Customer Service included no empathy for the simple fact of speaking to an individual about what is supposed to be my information yet, I have no insight on what I am being demanded to engage in and agree to, also my income is being decreased significantly and it is out of my control. I am not saying and putting up an argument that it is not due, my argument is that I have been paying into this loan and actually have no idea where the funds are being paid to and with no information, a balance or know the terms. According to my Credit Report this debt is showing as Closed and over a course of the years the interest rate continue to increase. I am requesting help in Customer Service and equal opportunity from this company of knowing my obligations to be able to not let this affect me in ways of financial and health related stress. I look forward to getting this process reviewed and initiated with an update of the progress.
Consumer complaint received 2022-05-18
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. (TX)

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.
Consumer complaint received 2022-09-28
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, 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 1681c. ( a ) ( 5 ) Section 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX  # XXXX, has violated my rights, XXXX XXXX XXXX XXXXXXXX # 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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American First Finance, Inc. (FL)

In response to many complaints that I have submitted against American First Finance. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I've sent American First Finance a cease and desist via the CFPB and certified mail.

It is ordered to American First Finance to cease communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium.

So why is American First Finance still communicating with me by furnishing an account to my consumer report?

Im aware that a Charge Off by law is the writing off of a debt and the termination of collection activity without release of personal liability. Im aware that write off is removing this asset from the accounting books.

I'm aware that collection activity is American First Finance furnishing this alleged debt to my credit report to coerce me into paying this debt. 

I have not received a 1099 for this and im aware that American First Finance is furnishing their adjusted gross income on my credit report because they wrote this debt off.

Im also aware that American First Finance is furnishing false and misleading information on my credit report because of their actions.

So if a Charge Off by law is writing off a debt and the termination of collection activity, why are you still reporting this on my credit report?

So now Im asking for verification of this debt.
Consumer complaint received 2022-05-18
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. (AL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number # # # # # # XXXX, XXXX XXXX XXXX account number 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
Consumer complaint received 2024-03-11
Product: Credit reporting 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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 
Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-05-18
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. (TX)

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights to privacy, I have sent EQUIFAX 3 letters in regards to the following accounts and have also stated the violations that they are in, EQUIFAX has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EQUIFAX DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS.

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : 1. XXXX XXXX  XXXX XX/XX/XXXX - # XXXX 2. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX - # XXXX 3. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 5. XXXX XXXX, XXXX XX/XX/XXXX - # XXXX 6. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 7. XXXX XXXX XXXX XX/XX/XXXX - # XXXXXXXX 8. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 9. XXXX XXXX XX/XX/XXXX - # XXXX 10. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 11. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 12. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX 14. XXXX XXXX  XX/XX/XXXX - # XXXX 15. XXXX XXXX XX/XX/XXXX - # XXXX 16. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 17. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 18. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 19. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 20. XXXX XXXX  XX/XX/XXXX - # XXXX 21. XXXX XXXX XXXXXX/XX/XXXX - # XXXX 22. XXXX XXXX XX/XX/XXXX - # XXXX 23. XXXX XXXX XX/XX/XXXX - # XXXX 24. XXXX XXXX XX/XX/XXXX - # XXXX 25. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 26. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 27. XXXX XXXX XXXX XXXX - # XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 29. XXXX XXXX XXXX XX/XX/XXXX - # XXXX 30XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 31. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 32. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 33. XXXX XXXX XXXX  XX/XX/XXXX - # XXXX 34. XXXX XXXX XXXX XXXXXX/XX/XXXX - # XXXX 35. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 36. XXXX XXXX XXXXXXXX XX/XX/XXXX - # XXXX 37. XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EQUIFAX to report any NON PUBLIC INFORMATION, they have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.