davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting a debt on my credit for a contract with XXXX that cancelled in XX/XX/2015 due to financial hardship. The company allowed me to cancel the contract per their policy to consider hardships. I sent in the cancellation letter as requested by the XXXX at the time I needed to cancel. It was received. I was told by a representative the contract would be canceled and i would be released from financial responsibility. Years later, XXXX and XXXX XXXX not honoring the cancellation - it's being reported on my credit. I provided Experian with proof I submitted the cancellation, as well as the company 's policy on reasons for allowing cancellations. XXXX XXXX and experian refuse to remove the debt from my report.
Consumer complaint received 2017-09-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blackwater Capital Group LLC. (RI)

I was contected by Blackwater Capital Group sometime in winter/spring of 2017 in regards to an outstanding payday loan. This company called me at work and I returned the phone call immediately and asked them not to call my job ever again. I did not recall having this debt but I proceeded to make payment arrangements to avoid more problems with the debt. I made automatic payments every other week but I cancelled my debit card at the beginning of XXXX due to fraud issues. I spoke to XXXX XXXX and told him I would contact him soon to rearrange payments. 2 weeks went by and he has called me at work at least 5 times and the worst thing is that he contacted my ex domestic partner whom I have n't spoke to in 4 years and left a message in her cell phone describing my debt. I do not wish to be contacted by this company anymore.
Consumer complaint received 2015-11-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Hi, I am a Bank of America customer living abroad. I had money transfered to BOA from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Bank of America, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Bank of America ). BOA is not responding to the trace sent by XXXX. In speaking to BOA they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both Boa and XXXX but they were of little help. Again, information from XXXX has been sent to BOA regarding my case as XXXX has opened an investigation. For some reason BOA has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you.
Consumer complaint received 2022-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

A new credit inquiry was made on my credit report without my authorization or consent. I contacted the company and they informed me that they couldnt assist and that I needed to contact the credit bureau. The company is capital one and I have not applied for a loan or credit check with them.
Consumer complaint received 2022-08-30
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: TD BANK US HOLDING COMPANY (KS)

I was looking into my XXXX XXXX Account and noticed An unauthorized hard inquiry on my credit report from TD Bank US/ Target. Dated XX/XX/2022. I knew I had never asked for any credit with Target and had heard of TD Bank US. The hard inquiry only showed on the XXXX Credit report. I Immediately called them and filed a credit dispute. 
They sent me a email document showing my credit history and on page 13 of 16 appears the unauthorized credit inquiry. I called XXXX and had them freeze my credit information. The called TD Bank US who put me intouch with Target 's credit card fraud division. Who researched the fraudulent application and stopped the release of the Target credit card. 
Target is sending some sort of paperwork they want me to fill out and return but I will have to see what it entails. I have since frozen my credit reports with XXXX and XXXX also
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

This is an old medical bill that I had no idea existed from XX/XX/XXXX. This company never sent me any statements, correspondence, or contacted me until XX/XX/XXXX. I thought this was a fraud case and when I contacted the company they stated that it's from XX/XX/XXXX I immediately put in a dispute with all the credit bureau. The company said it could ruin my credit. 2 of the bureau removed it from my credit due to the age of this account. However, they still have it on my XXXX report and have the information wrong. I have contacted the company about it because the original date of this medical bill is XX/XX/XXXX they are not accurately showing the correct date and information. It's very misleading and I haven't been able to get this resolved. I hope to get help here and I am planning to seek further legal help with this matter.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX XXXX XXXX has violated my privacy rights as per 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (CA)

when i checked on my account with XXXX i found this reporting, Account info Account name XXXX/ASPIRE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2022 Status Closed. {$100.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$1500.00} Balance updated XX/XX/2022 Recent payment XXXX XXXX Monthly payment {$100.00} Credit limit {$700.00} Highest balance {$1500.00} then i recognized this is a fraud, then i called the creditor and they recognized its a fraud.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (TX)

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are Experian, XXXX, XXXX.
Consumer complaint received 2022-08-30
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. (AL)

I have sent Equifax several letters denoting the following inquiries are fraudulent. I did not apply for credit with the below companies : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2022-08-30
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, XXXX I request verification of XXXX  they sent it to a fraud dept I never asked for never said fraud .In the letter their was nothing No contract nothing no verification validation NOTHING enclosed their letter
Consumer complaint received 2022-04-14
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. 
The Following Accounts have violated my Rights Accounts : 1. XXXX Bank Account : 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 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. 

I DID NOT AUTHORIZE or give any Verbal or written instructions allowing the above accounts to be listed on my Credit. PLEASE REMOVE THEM IMMEDIATELY
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I have an existing savings account at marcus by goldman sachs. On XX/XX/XXXX, I tried to transfer funds from my marcus account to my own external checking account after finishing the external account linking process. The transfer was reversed and my account was blocked by marcus. i have no access to my account and have called marcus on a daily basis on how to resolve the matter. For over two weeks, no concrete solution was provided and people asked me to call back every other day without telling me what i should do and what happened. On XX/XX/XXXX, I was asked to filled out affidavit of identity form. I completed on XX/XX/XXXX and the tracking number has showed it was delivered on XX/XX/XXXX. Marcus by GS says they are reviewing and can not do anything to help. Their phone number verification has also problems ( verified XXXX threes and the forth day i call they said the number is not right and can not send the code ). It is been such a long time for me losing access to my account. The delayed transfer has caused large inconvenience and negative impact on my personal life. i need my funds urgently and want to unlock and complete the transfer of funds urgently ASAP.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

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

XXXX XXXX XXXX  XXXX Balance : {$69000.00}
Consumer complaint received 2022-08-30
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 XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX SXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX Account # XXXX XXXX, ha

s violated my rights 15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy 15 USC 1681 section 602 A states I have a right to privacy addresses do not belong on my credit report 15 USC 666b states a creditor may not treat a payment on a credit card account under a consumer credit card plan as a late payment for any reason.
Consumer complaint received 2022-08-30
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. (MD)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, please do not add any fraud alerts on my file.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC (CO)

Genesis FS Crd ( ( XXXX ) XXXX ) I make my payments, usually on time, but at this moment in time, I am a little late in payment, but 134 calls in under 6 months? 
This is harassment.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VT)

To whom it may concern, My name is XXXX XXXX ( formerly known as XXXX XXXX ) and I presently have a mortgage for my home on XXXX XXXX XXXX. The mortgage providers are called TRUIST '' formally known as Suntrust ''. To make regular payments on my mortgage, I set up an online direct deposit on XX/XX/XXXX. This payment system ensures that on the XXXX of each month, {$800.00} is to be distributed to TRUIST. 

On XX/XX/XXXX, my mortgage was sold from TRUIST to XXXX XXXX XXXX ( XXXX ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from XXXX regarding my payment delinquency, and threats of foreclosure. 

Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). It appears that the months of XXXX, XXXX, XXXX have not been transferred from TRUIST to XXXX. All together, it totals an amount of {$2400.00}. Ive attached a copy of my bank history query from the last eight months which indicates each direct mortgage payment sent successfully to TRUIST and was never returned. 

I would also like to note that this isnt the first time Ive had an issue with TRUIST. On XX/XX/XXXX they issued a late fee to my account when they had in fact received a payment. After investigating, TRUIST had resolved the issue. This time, its not being resolved and they have not been responsive at all. 

Ive called both TRUIST and XXXX numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from TRUIST that would be greatly appreciated. 

I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (GA)

Hi I filed a chapter XXXX that was Discharged on XXXX. Experian is posting all the late payments, these accts we're all XXXX and should not show this it's affecting my approval to build my credit after filing Bankruptcy.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
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. (NC)

I am a victim of identity theft. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX is in violation of my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (CA)

I received a notification about my credit going down due to a collection I look and seen that it was from account adjustment bureau and I contacted them and explained that I paid and closed that account last year so they said they was sending me information to dispute it and I receive the information and its in accurate. Can you please look further into this action because I always paid rather late I never not paid thank you have a bless day
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Freedom Financial Services, LLC (MS)

I received a call on Saturday, XX/XX/2018 about a debt I do owe. I set up payment plans with them and told her she could debit my bank account on Friday, XX/XX/2018 and then weekly at {$20.00} a week until the debt was paid off. However, she took funds from my account on Thursday, XX/XX/2018 and caused me to overdraft. I received a {$36.00} fee because of her taking the debt on the wrong date. I have tried calling her several times and I have received no answer.
Consumer complaint received 2018-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SC)

late fees have been charged to the account and are the only charges on the account Two previous calls to AMEX I was assured late fees were waived. each time the charges have not been waived and more late fees are assessed against the previous late fee. The third call I cancelled the card and was again assured that all charges were waived and result in a XXXX balance. That call occurred on XX/XX/18. when I cancelled the card I spoke to an on-shore representative and explained the issue. His advice was to speak to a supervisor if the charges were not removed. Once again the charges were not removed and more late fees assessed. I call back to AMEX on XX/XX/18 and asked for a supervisor. I was told the supervisor would call me back in 15 minutes. It has been 4 days and I am now submitting this compliant on XX/XX/18.