davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
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. (NY)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2020-07-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (OK)

Once again, I come to file a complaint about Truist bank, previously BBT. Truist managed to be worse than BBT. My complaint today concerns the banks refusal to complete the process of authenticating a non-Truist account for my money transfers, in violation of their contractual obligations. 
On XX/XX/XXXX I attempted to register my XXXX account as a non-Truist account for the purpose of money transfers. The process, as determined by Truist, involves making two small deposits in the non-Truist-account candidate, which later the client must enter in a verification step. The step is supposed to happen after an email is sent by Truist. 
This email was never sent. I checked all possible folders : it just wasnt sent. 
Two days is a lot of time in the financial market. Four days means that they are deliberately obstructing my transaction, or they are totally incompetent and negligent. In either case, they must be forced to comply with their contract with clients, which obviously involves allowing money transfers. 
Let us remember that Truist is invested in making transfers as difficult as possible, which is the reason I am giving up on them unless they give me a very strong reason to keep their business. 
Finally, they eliminated the methods of written communication that were one of the few good things about BBT. Not even the chat works. In accordance to the American Disability Act, I demand written communication only : I have hyperacusis and can not talk on the phone.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

After reviewing my credit reports in XX/XX/XXXX, I requested assistance in resolving continued negative credit bureau reporting that my loan is both 120+ days late, in collection or other negative reporting, all while being discharged under the XXXX XXXX XXXX XXXX ( XXXX  ) in XX/XX/XXXX, with a current XXXX  balance due indicated. 

My  Fed Loan Servicing account, listed by the credit bureaus, continued to report false information, while the credit bureaus claim is the direct results of updates from Fed Loan Servicing. It is being reported that my account is 120+ days late in XXXX ( XXXX  ), after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

My U.S. Dept of Edu account, listed by the credit bureaus, continue to report false information, while the credit bureaus claim is direct results of updates from U.S. Dept of Edu. It is being reported by XXXX XXXX & XXXX that my account is 120+ days late in XX/XX/XXXX. The XXXX  status under XX/XX/XXXX is " CO '' and under XX/XX/XXXX is " 120 ''. All of this, after the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process in XX/XX/XXXX. 

After attempting to find a solution by contacting numerous entities, I was unable to achieve a clear or timely response as to the responsible department ( s ) for reporting a veterans credit status, post-approval of the XXXX XXXX XXXX XXXX ( XXXX  ) discharge process. 

Offices contacted include : Dep of Edu XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Fed Stu Loan XXXX XXXX XXXX XXXX XXXX  Unit XXXX XXXX XXXX XXXX ( prompt 1 w/SSN ) Debt Mgmt XXXX XXXX XXXX XXXX ( prompt 0 w/o SSN ) I look forward to this matter being completely resolved by the immediate correction/update to my XXXX XXXX & XXXX  ; where this reporting is in error. 

Respectfully, XXXX XXXX veteran Thursday, XX/XX/XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.
Consumer complaint received 2020-09-12
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. (AZ)

I check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (PA)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I make payments within the assign payment date I even pay more on my account have been since I have had the car and still being charge late fee 's i have tried to work with them i have paid over {$14000.00} and {$2000.00} been in late charges because of mis- communication of paper work.
Consumer complaint received 2017-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services (ID)

I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny, XXXX I, XXXX XXXX XXXX, hereby declare under penalty of perjury, pursuant to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX, that the following statements are true and correct to the best of my knowledge and belief : I am XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, Ny XXXX. 
Pursuant to XXXX XXXX XXXX XXXX, I have the right to request and receive verification of any information reported on my credit report by XXXX, Equifax, and XXXX, including the original sources of such information. 
Under XXXX XXXX XXXX XXXXXXXX, I have the right to request a copy of my credit report from XXXX, Equifax, and XXXX, which I have reviewed for accuracy and completeness. 
I assert that XXXX, Equifax, and XXXX are third-party entities that collect and report information about consumers ' credit histories, and as such, they are subject to the provisions outlined in XXXX XXXX Code XXXX and XXXX XXXX Code XXXX. 
Furthermore, I believe that the practices of XXXX, Equifax, and XXXX violate the provisions of XXXX XXXX XXXX XXXX, which prohibits the disclosure of certain personal information by third-party entities without the consumer 's consent. 
I affirm that the information provided in my credit report must comply with the standards set forth in XXXX XXXX XXXX XXXX, which mandates accuracy, fairness, and privacy of consumer information. 
Any inaccuracies or discrepancies found in my credit report will be reported to XXXX, Equifax, and XXXX, as well as to any relevant credit reporting agencies, in accordance with the procedures outlined in the Fair Credit Reporting Act. 
I request that XXXX, Equifax, and XXXX cease any further dissemination of inaccurate or unverified information about me until such time as it has been properly investigated and corrected. 
Signed : XXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

XXXX XXXX by XXXX  XXXX is not reporting accurately. XXXX XXXX fico score does not update. XXXX XXXX will not delete the XXXX  XXXX accounts that are closed instead XXXX XXXX is reporting on XXXX XXXX and XXXX XXXX XXXX closed XXXX  XXXX acconts as open. XXXX XXXX  will not delete duplicate accounts of XXXX XXXX XXXX XXXX does not report accurately on my credit profile to XXXX, XXXX and Equifax. XXXX XXXX only reports on my XXXX XXXX accounts. XXXX XXXX repair credit service does not do what it says it will do it appears to be bias to other accounts and does not consider accounts in good standing thus continuing to report on XXXX  XXXX closed accounts as open and curtails the score very low. Credit Score points never reaching ove XXXX points but decreases monthly due to closed accounts being open. 
The total amount of debt XXXX XXXX is reporting is inaccurate. The credit usage is inaccurate. 
The XXXX XXXX shows average on for accounts paid on time this is unfair.
Consumer complaint received 2021-10-12
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: BMW Financial Services NA, LLC (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and BMW Financial Services. The Account Opened is BMW Financial Services Account Number : XXXX Date Opened : XX/XX/2010 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (NJ)

We have applied for a car loan for a used truck the last place we went to explained That the banks don't want to give loans to people who collect social security pensions or work for XXXX  because they are not allowed to attach a judgment againt there checks this is discrimination 100 % so no senior or anyone o. Social security can get a car because if they fall into a hard time again they can't collect the money so make seniors and disabled people walk everywhere
Consumer complaint received 2020-11-17
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. (SC)

I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. XXXX and Expierian have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to be removed.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This may include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

Comenity bank has failed to report to credit bureaus since the month of XXXX. It is now late XXXX and my card utilization has gone from 100 % to 0 % but is still reporting a utilization of 100 %.
Consumer complaint received 2020-06-04
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. (TX)

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS XXXX numbers are Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX  XXXX****  XXXX   XXXX XXXX  XXXX**  XXXX XXXX   XXXX**** XXXX XXXX  XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX   XXXX XXXX**** XXXX XXXX XXXX**** If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CO)

XX/XX/XXXX through the XX/XX/XXXX I had fraudulent charges from XXXX in excess of {$700.00}. I contacted Direct Express ( Comerica Bank ) and they canceled the credit card and replaced it with a new one. They submitted a fraud case so I could get my money back, later I received a letter requiring more information which I ended up providing over the phone with Direct Express. I have not been reimbursed for those charges so I contacted Direct Express again and was told they resolved the case on XX/XX/XXXX but could not provide me with information from that department and was transferred again to another unanswered location. After an hour of being on hold, I've given up. I can't get any help over the phone and no one I actually talk to can ever help me. In total there was over 30 charges to my account in three days ranging from almost {$10.00} to $ XXXX.This is the second time this has happened and I did not receive restitution the last time either.
Consumer complaint received 2022-03-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC (TN)

I took out a loan for XXXX. I paid regularly, and switched jobs. I had an issue with direct deposit. Company didn't have option to pay online. 

I did have a few weeks payment wasn't made. Last time I spoke with mobiloans, I believe in XX/XX/2022, was told I owed XXXX. 

I mailed payment in XX/XX/2022 for XXXX. In the form of money order. I sent XXXX to cover any added interest that may have potentially occured. 

XXXX is the USPS tracking number where payment for {$2400.00} I have asked multiple times for a statement by mail and it's as though they are refusing at this point. 

I've paid them more than I was even told I owed them. I'm really trying to do my part. The payment was delivered 12 days ago. I still haven't gotten any record or confirmation of this, and any electronic communication is ignored.