davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CT)

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Discover Bank ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Consumer complaint received 2022-03-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (IL)

i have unnoticed inquiries on my report that i didnt consent to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (TX)

I signed up with XXXX on XXXX 2019 for a one-year service of $ XXXX. 
The bills came : XXXX {$140.00} XXXX : {$130.00} XXXX : {$150.00} XXXX : {$170.00} XXXX : {$160.00} Each month I called to complain and each month I received a new version of why my bill was higher : features I did not sign up for had expired.. etc etc. I would have to pay disconnection charges higher than keeping the service. We agree on $ XXXX. 
The first bill after the new agreement came in the amount of {$280.00} with the note that " ongoing monthly bills will be {$250.00} ''. 
All exchanges with their agents are duly documented. 
I understood this would be the same saga. I stopped service and pay the last $ XXXX we agreed upon. 
I have filed charges against XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims ( Case No, XXXX ) and reported that to every collector that has called me asking not to send this to the credit bureaus until it is resolved. They consider I owe the difference from the last bill {$240.00}. XXXX have called me, scorned me for not paying the {$100.00} instead, and laughed about my filing. 
Despite that fact and my request to wait until this case is solved, they sent it to collections damaging my XXXX XXXX.
Consumer complaint received 2022-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I received a copy of my credit report. I have 2 unauthorized inquiries on my report. XXXX from ( XXXX XXXX XXXX ) on XX/XX/2021 and one from ( CAP1/SAKS FIFTH AVEN XXXX XXXX XX/XX/2021. I did not make these inquiries. I am a victim of fraud, and will like to get these inquiries removed immediately.
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX BANK Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED 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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX accnt num- XXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Consumer complaint received 2022-03-17
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Over 6 years ago I received a email from XXXX XXXX XXXX XXXX XXXX who had just switched over to XXXX XXXX XXXX. There was an error made by their system or office that sent out a email to me of a final move out statement for a damaged apartment that I never lived in for {$870.00}. I called the apartment complex and proved to them that they had sent this email to me in error because they didn't have a lease agreement from me and I had never lived in this apartment. I was told that it was sent to collections and I would have to contact the debt collector XXXX XXXX. I have tried multiple times to get XXXX XXXX to remove this debt because it does not belong to me, they ignore my request and continue to lie, and say that the debt is verified and meets FCRA requirements. It's obvious that XXXX XXXX does not even attempt to verify debt because if they did they would've quickly realized the original creditor made a mistake. This could have been resolved years ago but they refuse to even attempt to actually verify the debt which is illegal. I don't have to state all of the consumer laws that are being broken because the companies are well aware of them just as I am, and they are purposely being undermined which is illegal and unethical as a business. Being a XXXX XXXX at the time I was unaware of the steps needed to take legal action. I am now fully aware of the laws that these companies and reporting agencies are deliberately breaking and will now do everything in my power to get justice because this inaccurate information has plagued my credit report for over 6 years. I have email proof from the original creditor amongst other proof that this debt does not belong to me this is my final request to have this removed from all XXXX reporting agencies before I take further legal action for fraud.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now
Consumer complaint received 2022-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

I am trying to pay my monthly bill for my lease and also set up XXXX. Mini Financial Services is not able to accept my bank. The website, and evidentially their internal systems, say that my bank routing number is invalid. Actually, the routing number is valid and works with every other financial institution. I want XXXX to take this seriously and address their issue.
Consumer complaint received 2022-03-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (TX)

I have been harassed by this Collection Agency via text, email, and now they are harassing relatives & neighbors that were NOT a part of my application process. This is an old account/debt from 7-8 years ago. I have not been able to speak with a XXXXive Representative of the Collection Agency, XXXX XXXX ( phone # XXXX ). With so many scammers and fraudulent activity on the rise, this is NOT a good practice that this agency is using that your information is being identified using IVR technology.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 
Sincerely,
Consumer complaint received 2022-03-17
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2023-06-02
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (NJ)

I have a cryptocurrency investment account opened through Coinbase that had been perfectly fine for a long time. My balance in the account was around {$6000.00} when I was informed on XX/XX/XXXX at XXXX XXXX that my account had been compromised and there was a password change as well as initiation to withdraw my funds. I immediately called Coinbase and locked my account, ensuring that my money was frozen and none of the transactions were to go through. I was ensured my money was safe and all I would have to do is recover my account through my email. However, I stopped receiving emails from Coinbase through this email since my account had been compromised. After weeks of attempting to recover my account, I had created a new account for Coinbase to safely transfer my funds over. However, after the funds were transferred I found out there was only about {$100.00} in my new account. I had lost the rest of the funds after I was told they were frozen and safe. Even though I had immediately called to freeze my funds and cancel all unauthorized transactions and was assured they were cancelled, they still went through. Not only had the company lied to me, but they also lied to my financial advisor at my local bank.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

On XX/XX/2022, I attempted to access my online account for monthly statements of which I have not reviewed in almost a decade. Throughout that time, the loan has been sold and bought by various lenders. 

Most recently, when SunTrust was acquired or merged with BB & T to form Truist, I lost my ability to access my account to ensure it is being serviced accordingly. In an attempt to solve this problem, I attempted to reinstate my account with the new Truist platform, but to no avail.

In an attempt to rectify the situation with Customer Service over 24-hours, the bank - Truist, did not provide solutions and continually lied to me regarding their intent to fax me my recent statements.

Complaints addressed here : 1 ) Failure to provide access to my own customer information 2 ) At minimum, 5-calls were made all with 30-min plus waiting times.

3 ) In every instance, no representatives were able to remediate the issue nor understood how the merged systems of BB & T and SunTrust into Truit may have impaired our ability to recover our accounts. 

This seems to be a common issue as evidenced by the following news report : XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

XX/XX/XXXX our lender discovered AMEX had listed our old, closed account as " Charged Off '' in the amount of {$3900.00}. This prevented me from getting a mortgage. I have been corresponding with AMEX via snail mail since XX/XX/XXXX and made telephone calls only to be told that the information is correct. I mailed copies of bank statements, all payments totaling the amount listed as " Charged Off ''. AMEX has mailed me copies of statements, with the last statement showing payments of {$500.00} paid XX/XX/XXXX, {$800.00} paid XX/XX/XXXX, {$1000.00} paid XX/XX/XXXX, {$610.00} paid XX/XX/XXXX, {$1000.00} Paid XX/XX/XXXX all total {$3.00}, XXXX ; and they will still not remove the words " Charged Off ''. I have not received a 1099 for this and neither has the IRS showing it as income for me. The credit reporting agencies will NOT make any changes because AMEX continues to say I did not pay it in full, this is untrue. I have requested the documentation AMEX gave to the credit reporting agencies and have yet to receive that from AMEX. I have written 7 letters with copies of bank statements and copies of their own website showing XXXX balance when I made the final payment on XX/XX/XXXX, with copies to XXXX, XXXX, XXXX, Better Business Bureau oXXXX XXXX XXXX, TX, Texas Attorney General with no resolution for correction.
Consumer complaint received 2022-03-17
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now