davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX is a company of XXXX and XXXX  XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, Equifax, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, Equifax, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and  think about next step on how mortgage is denied. Frauders and liars.
Consumer complaint received 2022-06-14
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MS)

I sent a debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2022-06-14
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. (GA)

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act 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 states : A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-14
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 accordance with the fair credit reporting act XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Associated Credit Services, Inc. (FL)

Associated Credit Services attempted to collect on debt already paid. They were notified of this fact on XX/XX/2022 and also notified of paperwork submitted to the Internal Revenue Service ( IRS ). Instead of ceasing their debt collection attempts, they used the personal information contained on the IRS forms ( Social Security number ) and submitted false claims to all 3 major credit bureaus on this satisfied debt. These false claims prevented me from accessing my credit when I was in dire need of accessing it at the emergency room at the XXXX XXXX XXXX. I will hold Associated Credit liable for any and all false claims and retain all rights to sue them under the FDCPA and collect fines and fees owed to me. Furthermore, a W-9 was requested of them on the same day. They have failed to provide said W-9.
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi! So I'm making regular online payments on my auto loan faithfully but now the company says they will be charging a fee if I don't sign up for automatic electronic payments. 

Is this legal? 

I thought we had a choice in how we make payments.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (MD)

My debit card was hacked with someone attempting multiple {$100.00}, then {$90.00}, then {$20.00}, then {$5.00} withdrawals on CashApp on XXXX. I didn't request a CashApp account. My credit union, XXXX XXXX, alerted me to the fraudulent activity. Today, XXXX, I received a XXXX XXXX from CashApp. I tried to call to talk to support, was told all advocated were busy and asked if I wanted a callback. I missed the callback and have been unsuccessful at reaching the company subsequently.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

I have contacted SpeedyCash on several occasions asking for information regarding the {$310.00} that is sitting on my credit. I have not applied for any type of loan or recieved any loan from this company. I have asked that information in writing be sent to me either via email or postal. I asked for the account information or even the bank name the money was deposited into. I was told the loan was done online! How can you verify someone online? Their customer service will NOT provide me with any information so that I can even dispute this properly, I keep getting the run around.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (FL)

I received an invitation to open an Ally Invest account and receive a promotional bonus of {$250.00}. I verified with the Ally Invest representative XXXX via a recorded phone call on XX/XX/2022 that my account was enrolled and I would be awarded the bonuses if I met the deposit requirements ( {$500.00} for 90 days ). I met the deposit requirements and have not received the bonus. They now refuse to pay. This is bait-and-switch and illegal.
Consumer complaint received 2022-06-14
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 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

Wilshire Consumer credit loaned me {$6000.00} on a title loan. I've paid {$3000.00} and still owe more than the original loan after 7 month 's of payments
Consumer complaint received 2022-06-14
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-11
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. (NC)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2020-06-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Transunion credit report has 20 unauthorized credit inquires, I have attempted to contact the companies with no success, therefore I send Transunion a dispute in writing, they made no attempt to investigate the inquires and mailed me a letter stating nothing.
Consumer complaint received 2022-11-30
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)

On XX/XX/XXXX Spoke to Rep at Equifax XXXX XXXX who stated was deleting the inquiries below that do not belong to me, and has been submitted before and not. Some are multiple. 

XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

Received letter for a debt that is not mine and I do not know anything about. Was told could dispute electronically at resources.wakeassoc.com and signed up to do that only to see that there is no way to dispute electronically as they stated in their letter. They lied. 
The burden of proof is on them, they should show detail about what is owed as I am unaware of any debt other than the bill I pay monthly for a debt to the medical facility.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (VA)

Ford Motor Credit incorrectly lists my account as a Charge Off on all three credit reports. I reached out to Ford and they confirmed that the account was paid in full and as agreed. I asked that they change this information and sent a letter in as instructed. The information on my credit reports is still listed incorrectly.
Consumer complaint received 2022-07-21
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. (GA)

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates.

My rights was violated a few times.

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Attempted to initiate an online billing dispute with Citibank Sears Mastercard for a purchase datedXX/XX/XXXX, {$48.00}, merchant XXXX XXXX. Instead, of starting the dispute process, the bank initiated a letter dated XX/XX/XXXX, claiming that they can't process the dispute claiming " services were provided ''. In fact, this was not processed correctly, as I have disputed food purchases in the past with other major banks and the billing dispute was processed. Rather, the individual who processed this dispute was not versed/trained in processing billing disputes adhering to Federal Billing Dispute Guidelines.

Reason for Dispute : Received food delivery of stale/improperly prepared food that could not be consumed, attempted to immediately, rectify matter with merchant by calling and speaking to XXXX, who in turn put me on hold and than disconnected me.

***This is no way to treat a customer since XX/XX/XXXX who has had slim to none in the way of billing disputes***
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C. (OH)

on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.
Consumer complaint received 2022-06-14
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: LEXISNEXIS (TX)

The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they been getting data from Lexis Nexis who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
Lexis Nexis has been reporting false info. for years. I would like to sue them.
Consumer complaint received 2022-06-14
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: CBC Companies, Inc. (PA)

Below inquiry do not belong to me. I have no accounts with XXXX XXXX XXXX  or FACTUAL DATA. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : FACTUAL DATA No contact information has been reported by this creditor.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 and XX/XX/2021 I sent a lette ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I recently received a letter in the mail stating that an account has been closed however I did not open said account. I contacted the bank and they informed that someone tried to open a checking account using my SSN via the internet. Thankfully it was closed before any deposits or transactions were made. 

I have also been a victim of identity theft back in 2015 when someone successfully filed my income taxes before I did. I found out when I tried to file and received a notice from the IRS that it was already being processed. Because of that, I now have to file my taxes with a unique security code so they know that it's actually me processing. Sucks! That both were done online and hard to find who is responsible but with the help of technology we now can track IP Addresses to find these bandits.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to trans union and XXXX. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.
Consumer complaint received 2018-10-11
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. (MI)

My account was reported to the credit in XXXX of 2014 for being late by XXXX, I was not late with my payment. There system would not let me make my payment and made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.