davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
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. (PA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-11-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

Dear Consumer Financial Protection Bureau, Nissan Motor Acceptance Corporation ( NMAC ) stated in their response to my complaint CFPB file # XXXX that NMAC has no record of receiving any payment for {$410.00} in XX/XX/2020 and that the account is being reported accurately as charged off with # XXXX they also said that they have no affiliation with the credit reporting agencies and does not determine the information each credit bureau select to report and requested that i contact XXXX  directly to dispute the fraudulent credit reporting. 
Well i have disputed directly the fraudulent credit reporting with XXXX. 
XXXX  responded and told me that they do not report anything on the consumer 's file without the data furnisher requesting them to do so. NMAC is the data furnisher in this case. So according to XXXX  NMAC has reported a payment of {$410.00} on the account in XX/XX/2020 and a payment of {$410.00} on XX/XX/2020. 
Please note that i am not complaining about the status of this account but it is unlawful for NMAC to report false information on my credit report and deny it.

i have sent a certified mail with return to NMAC disputing these fraudulent charges which has been delivered but i haven't heard back from them. 
i have attached copies to this complaint for review.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I noticed on my Truist online bank statement that XXXX was charging {$320.00} on my checking account. I called them to cancel that charge. I spoke with XXXX XXXX who claimed to be a Senior official of XXXX ( XXXX ). He directed me to type in that amount which I did. Somehow that number was changed to {$130000.00}. He said it was approved and showed me on my online account that amount had been credited therein. He said that was an error and XXXX had to be reimbursed by doing 3 separate wire transfer charges. He sent me the needed information on my printer which included charges as follows : XXXX. XXXX {$49000.00} to a XXXX XXXX XXXX XXXX XXXX. XXXX {$49000.00} to a XXXX Bank XXXX XXXX XXXX XXXX Ky XXXX. XXXX {$35000.00} to a XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Senior Bank, Truist XXXX me that this appear to be a fraud. I called the Truist fraud line & they confirmed that no such transfer had been credited to my checking account. I notified XXXX XXXX XXXX, XXXX XXXX XXXX. and gave him copies of the wire transfers. He assigned a case no. ( XXXX ). I also contacted XXXX XXXX XXXX, XXXX XXXX XXXX. I reported this incident to the Florida Attorney XXXX XXXX. Representative XXXX XXXX prepared a complete report and forward all the info the FBI. I am an A-typical XXXX yr old senior who needs help. I had seen been called often by the scammer, but refused to answer
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I recently applied to an American Express Hilton Honors credit card. I was denied for no reason and no explanation, which makes absolutely no sense. They request submit letters from my bank to prove who I am and my address, taking time out of my busy day. I have never in my life ever had to do this! I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. I submitted 2 bank letters going out of my way and losing days work over this and I have yet to hear back from them. I feel I'm treated unjust here. 

I am planning on traveling and I believed AMEX Hilton Honors is the right choice for myself especially as I will be staying at Hiltons XXXX. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration and they were no help they kept asking for documents, banking letters etc. I submitted and still no response. This is very unethical on their side. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Consumer complaint received 2021-08-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Equifax P.O. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX  - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. The XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry, XX/XX/XXXX I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. PayPal credit card account number XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Consumer complaint received 2021-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax, XXXX  and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (MS)

Hi I am submitting this 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-10-13
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. (IL)

I filled a dispute for a duplicate charge of the amount of {$2200.00}. I sent them proof and everything they asked of me. I contacted them more time than I can count, and all they do is tell that they do see the duplicate charge but unless the merchant agrees to refund me the money, they cant do anything on their end, but thats the issue, the merchant only sees one charge but my statement shows 2, so they cant refund me because according to them they dont see the duplicate charge. Thats why I took up with the bank, but citi bank isnt doing their due diligence in investigating this properly. Even after I show them receipts. I have attached pictures of the total amount and the split payment, one of {$2000.00} and the other of {$2200.00} ( which was charged twice ). As you can see the total charge does not match the purchase amount.
Consumer complaint received 2021-08-20
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. (CO)

I want the fraudulent inquiry from XXXX XXXX removed. Equifax refused to be of service. I want proof of the authorizations or for the inquiry to be removed immediately.
Consumer complaint received 2020-11-17
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)

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  breach and believe some of my accounts were compromised.
Consumer complaint received 2021-10-13
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. (GA)

I have disputed this account on numerous occasions with Transunion, XXXX, & the Creditor ( XXXX XXXX ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between Transunion & XXXX. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on Transunion vs XXXX which are reporting differently : Transunion reports a high balance of {$12000.00} vs XXXX reports a high balance of {$10000.00} Transunion reports a date of last activity/payment of XX/XX/XXXX vs XXXX reports a date of last activity/payment of XX/XX/XXXX ( In reference to Transunion inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) Transunion reports a Payments status as " Unknown '' vs XXXX reporting a Payment status of Collection/Charge off.
Consumer complaint received 2021-01-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

EXPERIAN!!!!!! I submitted a dispute to update them that I settled in full A collections against me & to update my credit report. My original outstanding loan was for {$12000.00} XXXX XXXX IT WAS SETTLED. Instead of correcting or Updating my info ... it now is stating on my credit Report I have a balance of {$120000.00} with a different creditor XXXX XXXX????????? ..XXXX  from Experian refused to give me a file number. I am afraid of FRAUD AGAINST ME! Please help This is the third time I reached out to Experian
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a letter to you disputing this INACCURATE accounts on XX/XX/2022 and mailed them certified with return receipt requested. You are reporting this COLLECTION with a PAST DUE AMOUNT this is inaccurate reporting. You are also reporting inaccurate DATE OF LAST PAYMENT which is also inaccurate reporting. 
Per the Fair Credit Reporting Act section 611 ( a ) ( 5 ), you have 30 days time period to investigate disputes. If you can not verify the information within 30 days time period, you must delete all of the disputed accounts from my report. You must now delete the disputed items and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of my original letter showing all accounts I have disputed. 
Thank in advance to your timely response to this report.
Consumer complaint received 2022-01-08
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. (UT)

I have previously disputed with transunion, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-01-30
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. (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (MN)

Savings account holder died in Florida. Executor of estate is not in Florida ( nor on the XXXX XXXX where all TD bank branches are located ). Deceased account holder had a minor savings account of {$58000.00}. TD Bank refuses to allow executor to send original death certificate and authorization of executor by mail. TD Bank insists executor must show up in person ( i.e., fly across the country during a global pandemic ) or hire third party agent to close account and distribute savings.
Consumer complaint received 2020-10-22
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. (AL)

My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.
Consumer complaint received 2021-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021 I sent an international wire transfer that Chase claims was sent, however the receiving bank has not seen payment. After several attempts for information from Chase, I was left on hold for extended period and later told to send an email to online support in resolving my issues. Where is nearly {$490.00} USD of my money and why don't I have answers about the receipt of funds? This is unheard of.
Consumer complaint received 2021-01-27
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. (FL)

my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.