davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that 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 items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-02
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. (NJ)

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.

US DEPT ED Account # XXXX, has 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 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 2020-12-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I submitted a dispute via letter with Equifax on XX/XX/XXXX and it is now XXXX/XXXX/XXXX and there was no response and Equifax is non compliant with the investigation an did not response in 30 days and do a proper investigation. The law states that they have 30 days to responded and to do my investigation. I asked for them to provide proof that I was late on XX/XX/XXXX on the XXXX account reporting on my credit report and they did not provide an investigation on the account in question to correct the inaccurate information within the laws timeframes which make them non compliance and in violation. I was never late on this account, all that I ask is that they correct the XXXX account as never late and to update the alleged XX/XX/XXXX late to a positive standing and showing the account as never late.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I am deeply devastated about a collection account that is reporting on my credit report. These accounts are invalidated unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. There are numerous unauthorized addresses, names, and accounts on my credit report MIDLAND CREDIT XXXX creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX . is one of the accounts that needs to be investigated. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXXXXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Ive only had XXXX  XXXX  twice and but this isnt XXXX  XXXX  its XXXX  XXXX  someone used my info to get a credit card I even got a had inquire I never use to check my credit I called them they say my info matches but I never open the account! They said it was open since last year! I need help someone has my ssn and address
Consumer complaint received 2022-05-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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 a account without my written instructions
Consumer complaint received 2020-01-28
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. (AL)

All of the accounts below are showing inaccurate information and delinquencies. There should be nothing late nor listed with the wrong name or account information. 

XXXX/XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX account # XXXX XXXX/XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
Consumer complaint received 2021-03-29
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. (GA)

I have three collection accounts reporting on my Equifax credit report that doesn't have the Collector or Original creditor named for me to contact. I wrote Equifax previously about this matter and they have kept these accounts on my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I applied for a business credit card with chase, I have been a card holder since XXXX. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my chase business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-20
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: Kivell, Rayment and Francis, P.C. (TX)

We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you
Consumer complaint received 2018-03-10
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. (NY)

Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MS)

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake, as I assume it has to be. I have not been able to get help from them for weeks, but I remembered I can file a complaint on here because I feel that Paypal  is not doing their job properly. This has taken a great affect on me, and my email associated with paypal is XXXX XXXX
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I deposited the paper check issued to me by my employer XXXX via XXXX XXXX. I had originally maintained a bank account in good standing for years with Bank of America ( herein referred to as BoA ) prior to BoA shutting down my account due to suspicious activity perpetrated by phishing scammers in XXXX. I had already requested direct deposit with my employer but was simply waiting for that to happen. On XX/XX/XXXX, I deposited my check for about {$4500.00} after working several weeks of 12 hour days starting at XXXX XXXX in order to be able to purchase a used vehicle for my family, as we had been without a vehicle for months that would carry our family of XXXX, including XXXX children. I withdrew the {$2500.00} for the purchase of the used vehicle from a local private owner/seller. On XX/XX/XXXX, my card was declined and when I called, I spoke to customer service reps who alleged that they were working at a Bank of America call center in Alabama. Their names were XXXX, XXXX, and XXXX. They spoke with us from XXXX XXXX   to about between XXXX and XXXX XXXX and we were told that despite BoA being able to waive this and release some or all of our funds, that they would not. When we asked for more clarification, we were told that the reason they made this choice was that the XXXX XXXX and XXXX XXXX via XXXX XXXX both issue checks that bounce and that they regularly need to be sent back because they bounce. This stunning admission was made on a recorded and videotaped phone which the employees knew and simply didn't care. It is a devastating, potentially defamatory allegation that a bank and major company do not have funds to cover their payroll. Furthermore, when we told Bank of America that we were unable to pay rent and provide for our kids, they told us that they didn't care and that we would have to wait until XX/XX/XXXX, maybe longer. We need those funds returned as soon as possible to avoid destitution and starvation. We need that paycheck. Furthermore, workers should not be having their bank accounts raided for potentially dubious and defamatory reasons. Not only do these allegations need to be investigated, but the money also needs to be returned. 

I experienced this issue in XXXX with XXXX and now several years later another bank, due to allegations of wire fraud made by BoA managers in Alabama like the XXXX gentleman we spoke to, is doing this again. We are a veteran family. We have young children. How are we to take care of ourselves if these banks are taking our money due to intrigue and dishonesty? Also, this is in clear violation of the Expedited Funds Availability Act. They were never able to justify why this particular deposit was singled except for to allege that two companies are defrauding workers at the XXXX XXXX. 

We do not have pictures, but we do have audio/video of the conversation including the allegations as they were recorded totaling over 44 minutes.
Consumer complaint received 2019-08-31
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)

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX Equifax mortgage XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. Equifax should pay major restitution for ruining lives. Please, please help!
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

This my 5the complaint about Suntrust/ Truist Mortgage their billing, online, people, escalation team and payment process. I made a payment of {$1400.00} thru my bill payer services on XXXX XXXX and it was delivered on XX/XX/XXXX however I received my current statement showing that they only received a payment of {$470.00} as well as I got a letter from SunTrust/Truist today dated XXXX stating that they received funds in the amount of {$5.00} that are not sufficient to bring the loan current. Please see all the attached evidence. Suntrust/ Truist continues to violate UDAAP on my paper statements, their online and letters to you and I which I have brought to your attention on multiple occasion. They always respond that because of the my bankruptcy it does impact my credit bureau which IS NOT the issue. The issue is that they continue to send incorrect statements, amount received and balances. Is there anyone that can assist me bc Suntrust/Truist have not and I get the impression after all this time they will not.
Consumer complaint received 2020-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I have attempted to call Citizens One XXXX about my XXXX XXXX loan and specifically the outstanding balance. Despite multiple attempts I am unable to get any information about the loan, terms or payoff amount.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written instructions
Consumer complaint received 2019-08-31
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: Experian Information Solutions Inc. (CA)

In 2013 I open a card with XXXX XXXX for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''
Consumer complaint received 2022-01-19
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)

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.