davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: ALLY FINANCIAL INC. (FL)

I have noticed many inaccuracies on my credit report. On XX/XX/2022 I check my credit and found the account with Ally financial # XXXX to be reporting incorrectly on my credit. 

I am not disputing the validity of the account however I am reporting inaccuracies on all three credit bureaus. The disputes were sent out on XX/XX/2022 stating the inaccuracies on my credit report. 

On XX/XX/2022 I received a response from XXXX stating the investigation was completed and the account was updated. 

Upon reviewing my credit on XX/XX/2022 I notice that XXXX never investigated my disputes. DATE OF LAST ACTIVITY, HIGH CREDIT and COMMENTS are still reporting inaccurate and inconsistent. 

I did not receive any response from XXXX or XXXX. 

I have attached my initial disputes, the credit reports with all the inaccuracies, the investigation completed by XXXX and an up-to-date credit report showing the inconsistent and inaccurate information. 

Please remove this account from my credit report.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WSFS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-10-01
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. (NE)

Good morning, on XX/XX/2019 I send a dispute letter to the Credit Bureau Equifax. I always send my dispute letters with proof of the reasons of my dispute. This is not the first time I have disputed these accounts with them, but the funny thing is that with this last letter they never answered me back. The good thing is that I always keep my Return Receipt in case things like this happen to me. All the accounts that I am referring they have one thing in common, inaccuracies information.
Consumer complaint received 2022-10-06
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XX/XX/XXXXhave 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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MA)

Today, XXXX/XXXX/19, I arrived home and found a letter in my mail from Netspend, a company I have never heard of before today. It was a first class letter ( which usually indicates something you have asked for specifically, not an advertisement ). In the letter was an ACTUAL debit/credit card, with my name embossed and a sticker on it asking me to call the number to activate it. I never applied for this card, as I said I had never heard of the company. 

This caused several moments of alarm, followed by several more of confusion. Now, I'm angry. This kind of business practice is deceptive, at best. I am smart, and in the prime of my life and even still this MIGHT have fooled me if I didn't take my time with it and do some research. What if a kid gets this ( as they have, according to other anecdotal information I have been able to discover with one quick internet search ), or an elderly person, or someone with a mild developmental XXXX, and they are confused and think it is something they asked for? Also available with a quick internet search is anecdotal information about a litany of crimes and malfeasant practices by this company. 

I ask that someone over there looks into this company 's business practices and try to prevent the OBVIOUS unethical and potentially dangerous situation this company 's form of " advertising '' is bound to result in. People have a right to not be victimized by these kinds of duplicitous and deceptive tactics employed by disreputable businesses trying to procure " customers ''. This is barely one step away from fraud. IF that far.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (NJ)

A collections account appeared on my credit report for {$940.00} with CREDIT SYSTEMS INTERNATIONAL. The original creditor is XXXX XXXX XXXX. This is a fraudulent account as a result of identity theft. I filed a dispute with XXXX who flagged the account.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus Transunion XXXX and XXXX  to remove these credit hard inquiries off of my credit report immediately
Consumer complaint received 2019-07-25
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-04-04
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: NRA Group, LLC (PA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. Upon reviewing, I came across a few accounts that I believe may not be 100 % accurate and would like further information on to investigate. The fair credit reporting act states that by law, I have the right to challenge anything that I am not sure is accurate. I am not familiar with some of the reportings on my credit report, which is why I am seeking investigation. 15 USC sec 1681 i ( a ) by law states that if you can not provide proof for the accounts, they must be deleted. I am requesting for these accounts to investigated. Please delete my accounts if discovered that any information is not 100 % accurate. I saw a credit site that states investigations have a 30 day window to complete investigations by law. I am asking to please investigate the following accounts and remove any information that is not 100 % accurate upon review. 

Account : -Name : national recovery agency /original creditor : XXXX XXXX Account XXXX XXXX *Please investigate if every piece of information is 100 % correct and accurate. If not, please remove it from my credit report. 

Ive also read ( free Lawer guy online ) that I can be provided with a copy of the report and its results upon completion of the 30 day investigation. Please provide me a copy of this investigation. Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address on this letter. 

I greatly appreciate your time and help in this matter. 

Kind regards, XXXX XXXX
Consumer complaint received 2019-07-25
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: WELLS FARGO & COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX.
Consumer complaint received 2022-10-06
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. (NY)

I sent out a letter off on XXXX XXXX here are my tracking numbers [ XXXX ] [ XXXX ] [ XXXX ] .To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

Hello, I'm in a difficult situation because Citi bank is holding my {$75000.00} and closed my account without returning my balance for the past two months. 

I opened a savings account with Citi bank in XX/XX/XXXX, and deposited {$75000.00} to earn their promised cash bonus of {$1000.00} after keeping it there for 90 days. 

On XX/XX/XXXX, after completing the 90 days, I tried to withdraw some of my money to another online bank. The next day, I noticed that Citi bank had rejected my withdrawal transaction and locked my account instead. My account became inaccessible, so I contacted their customer service, and they informed me that they had decided to close my account due to security concerns. They said that they would send me a letter with an explanation within 30 to 60 days and a check for my balance thereafter. 

It has been 60 days since I was informed of the account closure, but I still have not received any letter or my money back. They have also not paid me the promised {$1000.00} cash bonus. 

I believe that Citi bank purposely locked my account and has been using my {$75000.00} for five months now. 

Could you please help me with this situation? 

my account information in Citi bank is Account No : XXXX Name : XXXX XXXX Cell phone : XXXX Addr : XXXX XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2019-07-25
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. (AZ)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, Equifax and XXXX   have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (GA)

Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a XXXX bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are  claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. These letter were send to all 3 bureaus to investigate the debt. Company kept sending me invoices that show no signature or agreeing to the contract. They threaten to send debt to another party, if I go unanswered, they will closed the account, and pursue legal actions and charge off the account. The invoice show the amount of {$350.00}.
Consumer complaint received 2022-10-06
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
those items above are 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I want a pro rated refund from credit acceptance for my XXXX XXXX XXXXXXXX XXXX. The contract states that I can be let out and given a refund but they are only given me one option when I call in to make the change. I've been trying to get outta of this loan for months and I keep reading the fine print and they won't give me my money back.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called XXXX XXXX XX/XX/2018 and spoke to a rep about inquires I did not place all she advise was soliciting a product not listening to my issues which is a result of fraud all she can say is contact the company who place them. Transunion had a breach for the public information we should not have to suffer for their lack in protecting consumers information. I called a 2nd time the same day for help the rep advise to send a letter to all creditor I advise not listing to what Im saying at all
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (CA)

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and XXXX. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

OnXX/XX/XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not  possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For several years, I have received Bank of America billing statements at my email address for someone else 's account. I have received dozens of these statements, and can provide the emails for the past year. 

I have contacted Bank of America several times to remove my email address from this person 's account, and service response has varied from " okay we will do that '' ( they don't ) to " sir, have you considered not using this email address any longer '' Again, I am receiving balance and account information for someone I do not know on my email address because Bank of America makes no effort to verify correct email information when setting up an account, and they offer no way to change or remove incorrect information.