davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I submitted a claim with USAA Debit Card Fraud Recovery Department and they investigated the claim and refunded me my monies fro months that beginning in XX/XX/XXXX through XX/XX/XXXX. I had informed them the fraud was from XX/XX/XXXX through XX/XX/XXXX. I was not informed until later that they could not report charges past 180 day or see my bank stamens past 180 day and was asked to submit my bank statements with other fraud charges. On XX/XX/XXXX after requesting for a letter confirming that I had fraud during XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for one of my creditor. Did I receive a letter of apology of there miscommunication? And a request fir a affidavit to confirm charges on fraud that are the same fraud charges that their investigator already confirmed as fraud. Then on XX/XX/XXXX my mother received a harassing call from XXXX a CEO staff Officer from Ex XXXX, ( XXXX ) XXXX. He not only be little my mother by tell her to be quite, he started counting 123 to make her stop talking like she was a child. He told my mother that I was over my statue of limitation and that they would no longer handle my case and would not talk to her. I gave USAA autheration to speak to my mother little do they know my mother is my POA in all my banking, financial and insurance needs ( Legally. ) Then XXXX said he would call and speak to me my mother told him I was n't available. He hung up in my mothers face and went on to call me. Left me a message and had the nerve to call my mother back. The letter that XXXX XXXX clearly sates that they are working on the file and will get back with me at this time, I am requesting a letter from USAA stating that fraudulent activity occurred on my account from XX/XX/XXXX through XX/XX/XXXX by the merchants ( XXXX ). The Debit Card Fraud Recovery Department has investigated these merchants up to XX/XX/XXXX. The actual fraud began in XX/XX/XXXX and continued until noticed in XX/XX/XXXX. During that time I was under a hardship dealing with six family and friends XXXX XXXX and trying to coupe and manage being off at college and barely being able to come home and visit. Neither my mother nor I was able to actually manage and view my account during that time period. The hardest XXXX was my cousin who XXXX of XXXX XX/XX/XXXX and my Uncle who XXXX on XXXX XXXX XXXX. At this time Im respectfully asking for a formal letter to help me with my creditors. Today XX/XX/XXXX my mother received a call and was told I miss managed my account and thats why I 'm not going to have my insurance reinstated or my banking relooked at yet I mother put my insurance money in my account even month to make good on my account and the fraud happen every month.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer 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 2018-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lazega & Johanson LLC (AZ)

I first heard from this " law office '' in XX/XX/XXXX of 2017. They claimed they have taken over the debt from a XXXX that I do not remember having. I asked for documentation because I am not aware of this card. They sent me very vague information so I referred it to a credit care company that I have hired to help me with negative credit  information. Now, the company is calling my elderly parents! I am a retired XXXX XXXX XXXX. This is ridiculous!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Account # XXXX XXXX XXXX  Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions had been stealing money. Not applying it to the account. Marked me>30dpd XX/XX/2019. I made aXXXX. Credit card payment. They never put it on my account. I disputed. They said don't make a payment soon as XXXX days was over I got 2 late charges. They would take my credot and add it to the charges. They owe me a lot of money.
Consumer complaint received 2017-07-03
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)

To Whom It May Concern : I am requesting that a dispute be initiated for a XXXX XXXX # XXXX. I dispute the validity of this account and request it be removed from my report Enclosed is a copy of drivers license, I continue to dispute the validity of this account. I request that the accounts be deleted from my credit report. Can you notify me of the outcome of this correspondence? Thank you for any help you may provide in this matter. Thank you Sincerely,
Consumer complaint received 2022-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Issues : ( 1 ) Truist Bank has yet to close the HELOC that belonged to my deceased husband as promised, and ( 2 ) Truist Banks behavior is abusive.

Description : My husband opened a HELOC with SunTrust now Truist Bank in his name only, and on property that was owned by us jointly. My husband passed away on XX/XX/2021. My husband never made a draw on the account and owed no fees. I dropped off a copy of the death certificate with the branch shortly after my husband passed away. I was present when XXXX XXXX, XXXX ( Senior Relationship Banker ) faxed a copy of the death certificate to Truist Banks consumer loans department. I later mailed and faxed a copy of the death certificate to Truist Bank. Truist Bank has never acknowledged my husbands death. 

Truist Bank provided conflicting information about this HELOC. Truist Bank told me that it needed to add me as a so-signor to the HELOC. I questioned this claim. I called both the direct line for consumer loans, and I called and visited the branch. As a result of these calls and visits, Truist Bank promised last fall that it would close the account. However, I learned this spring that it had not done so. As a result, I visited the branch again and was told by XXXX XXXX ( Branch Leader ) that I needed to complete several forms before Truist Bank could close the account. XXXX XXXX assured me that the account would be closed. Yet several weeks after my visit to the branch and despite assurances that it would soon close the account, Truist Bank force-placed insurance on my home and sent an invoice for {$1700.00} to my deceased husband. 

I am an XXXX woman. This matter has caused a significant amount of stress. As a result of Truist Banks behavior, I spent hours trying to resolve this matter. I want Truist Bank to remove the force-placed insurance, remove any liens, remove all liability, waive any charges, and close this HELOC.
Consumer complaint received 2021-09-07
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. (PA)

On XX/XX/2021 I contacted Equifax, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2017-10-24
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 sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Consumer complaint received 2023-01-28
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. (NJ)

I pulled my credit report and noticed unauthorized inquiries which were not initiated by me. 

I have not authorized any person to add anything to my consumer report. 

XXXX XXXX on XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2017-10-24
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: Experian Information Solutions Inc. (TN)

I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2017-10-24
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. (TN)

I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (OH)

Chase freedom credit card approved a credit line increase XX/XX/XXXX of XXXX. I had the balance at XXXX in XX/XX/XXXX the following month they decreased my credit line to XXXX. Mind you the purchases were made while the line was at XXXX. Now I 'm over the limit by XXXX and have neg on my credit scores! I did not receive a written letter. Their process to me as a consumer was not done legally. I would like to dispute this company and charges!
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/year> to XXXX. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2022 I wrote to Capital One asking them to verify this debt by sending a 1099-C since the debt was charged off, A credit card company is supposed to issues a 1099-C once it believes the money will not be paid back and it will be stopping its direct collection efforts to try to get you to pay back the money. The 1099-C form is issued for debts with an outstanding balance of {$600.00} or more. Capital One responded on XX/XX/2022 saying that the debt had been sold to another company ( XXXX XXXX XXXX XXXX XXXX ). I don't understand how this is legal. Their tactics are illegal and against the law and I don't have time to keep chasing down debt collectors if they are unable to provide proof then it needs to be deleted off of my credit history. This is stopping or holding me up from filing taxes and I have very limited time also obtaining any credit.
Consumer complaint received 2022-03-10
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. (NV)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. 
Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX XXXX Enclosed are my documents ( Proof of identity, TransUnion report ) ( See Attachments )
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023
Consumer complaint received 2022-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriCollect (GA)

A medical facility billed us in arrears for a medical office visit. The amount that they billed was far in excess of the amount stated by the staff when we showed up. I have refused to pay due to the fact that their error is what caused the higher balance. I have tried to resolve this matter with their collection agency, AmeriCollect. directly and have had no luck in getting it resolved. I have properly sent them a dispute letter within the 30 day period, yet they still submitted a negative mark to my credit report.
Consumer complaint received 2022-09-08
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. (OH)

There are several inquiries on my credit report that I do not recognize. Also, there is numerous addresses and names or the spelling of my name that are reporting that I do not recognize as well. The only name and address that should be listed on my credit report it is the one below. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have contacted XXXX, XXXX and Transunion over 10 times to have them deleted so that I have a accurate credit profile but none of the credit reporting companies have respected my rights. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2017-07-03
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. (AL)

I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL 3 CREDIT BUREAUS. THERE ARE 23 INQUIRIES ON MY XXXX CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN XXXX XXXX NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A RE INVESTIGATION FOR THE REMOVAL OF ALL 23 INQUIRIES OFF MY CREDIT REPORT FROM XXXX AND 26 FROM XXXX AND EXPERIAN. I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are required to notify all other credit reporting agencies of their results.
Consumer complaint received 2022-09-08
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. (TX)

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. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX  XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This complaint is in regards to a duplicate account on both my XXXX and Equifax consumer reports. The XXXX XXXX XXXX  account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate.

There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.