davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SUNTRUST BANKS, INC. (MD)

My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. 

My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Consumer complaint received 2024-02-17
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. (NV)

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 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation (OH)

To whom it may concern : I would like file a complaint regarding my XXXX Credit Card. OneMain As of XX/XX/XXXX I logged into the portal of XXXX to make my credit card payment- in which I found my credit card over the limit. In which my credit has never been over the limit. I investigated the transactions, in which charges reflect on my credit card that I didnt approve. On the same day XX/XX/XXXX I called in to file a dispute in which the dispute department was closed at that time. I then went through the process to freeze my account, and close out the current credit card and send me a new card, On XX/XX/XXXX I called XXXX to speak to the dispute department to advise of these charges that were on my account, The young lady advised she processed the dispute and here back soon. 

I then advised the young lady I need to make my payment in which is due on the XXXX - and the portal is not allowing me to make payment due to the freeze on account. She then advised I would need to speak to customer service, I said, okay, she then transferred me over to customer service, I spoke with a gentleman provided all my information to advise he was unable to locate my account? I advised sir! I just spoke with disputes and they were able to verify my account information, he said that he is unable to verify my account and no resolution. 

I then on XX/XX/XXXX tried to make a payment on the portal again, in which after 4 times it was successful. 

After making payment - I go back and look at my transactions, and come to my surprise another charge was approved on my card from the same merchant. I said how is this possible.? I froze my account and XXXX is sending me and her card. 

Well, on XX/XX/XXXX I called customer yet again in which this a process calling to obtain a representative I spoke with another gentleman, he couldnt answer why this happened, and she then said he is sorry, I then said could I speak to a supervisor? He said yes .. he then tried to get a supervisor on the phone, after 2 attempts to no success.. he then advised he would put a call back form in and the supervisor would call me back within the hour. Well, that didnt happen. 

Its now XX/XX/XXXX - no call back - Charges still reflect on card My credit is over the limit Its now reflecting on my credit report showing card over limit and my credit score was impacted. 

Charges in the amount of XXXX XXXX OneMain customer service is absolutely atrocious- the card is great! 
No resolution to the madness In hopes of me doing this I will have expedited resolution to the madness. I do not like file complaints, but this is beyond my comprehension, yet its impacted my credit, and also my money, Please assist if you are able XXXX XXXX
Consumer complaint received 2024-02-17
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. (OK)

Equifax is reporting a inaccurate account XXXX XXXX account # XXXX needs to be DELETED from my consumer report as it is inaccurate and is not belonging to me ( XXXX XXXX XXXX ). Equifax is reporting a account that belongs to ( XXXX XXXX XXXX ) which is not I nor do I know who ( XXXX XXXX XXXX ) is. Equifax on numerous occasions responded that it was reporting and Verified as accurate and that was a LIE & UNTRUE. On XX/XX/XXXX & XX/XX/XXXX I sent them a letter and photo identification letting them know the information was inaccurate and not belonging to myself. Proof of my name and address was sent along with it. Equifax repeatedly and willfully neglected to remove this inaccurate information. 

Equifax is in non compliance and violation for reporting this inaccurate information as XXXX XXXX XXXX is not myself XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax did not follow reasonable procedures to assure maximum possible accuracy of information concerning the individual ( myself ) ( XXXX XXXX XXXX ).
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. However, such information shall not include specific factual information on a consumer 's 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 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX   XXXX  filed ftc 40 days ago
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Consumer complaint received 2022-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a certified letter out on XX/XX/2022, XX/XX/2022 to XXXX, Transunion, and XXXX. Here is my tracking XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information. However, such information shall not include specific factual information on a consumer 's 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 2020-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (VA)

I disputed the charges on my credit report and advised this company in writing to provide me with a debt validation letter and this has not been done. I contacted the original creditor who stated that they would remove these items which they did and indicated my record would be updated with this collection agency as well.
Consumer complaint received 2024-02-17
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. (AR)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-17
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. (CA)

I am writing in regard to an issue with the way you are reporting this account on my credit report. I have noticed that your company has reported to the bureaus that my account was charged/off, and it is impacting my credit score from obtaining credit. I have paid the account in full and is legally validated from the dates shown below. please see attachment of proof. XX/XX/XXXX the original creditor XXXX  account # XXXX opened on XX/XX/XXXX. I have no further obligation with this account since it is only hurting my credit and holding my credit points down. It is my understanding that you will investigate for these items to ensure full creditability as it should be because I paid in full and do not owe any balance as todays date. XX/XX/XXXX and it has been showing on my credit report as charged/off since dates XX/XX/XXXX for Equifax XXXX , XXXX. 

According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I respectfully request to be provided proof of this alleged item. This means I am asking for this charge off to be deleted off my credit account report since I have paid in full. I have also filed a dispute against the original creditor to have this deleted off my account since it has been paid off as balance of XXXX $ and have failed to comply back with me. I expect to see a response from you within 30 days proving the validity of this account. If you can not validate this account, then I ask that you immediately delete this from my credit reports. If you fail to investigate this account properly you will have violated my rights. I have uploaded proof of Identity of myself in two forms possible. please see attachments. 

I am demanding a deletion on the following accounts. 
XXXX account # XXXX Thank you and best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Consumer complaint received 2024-02-17
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX Balance Owed : {$4300.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (SC)

PHOENIX FINANCIAL SERVICE is attempting to collect on an alleged debt in the amount of {$1800.00} for their client : XXXX XXXX XXXX XXXX XXXX ... ... a medical bill. 

A medical bill that I have no knowledge of. I never received any written notification of my rights to dispute and /or request validation of this alleged debt, they just placed this invalid information onto my credit report without due process ... .process to include my rights pursuant to the FCRA, FDCPA and the Fair Credit Billing Act. This agency is in violation of these federal laws. 

PFS has placed this derogatory information on my credit report as valid when in fact it has not been validated at all.
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (LA)

The credit reporting agencies allowed a merchant to file a negative report against me without any valid evidence. I explained to the merchant that I have never lived in their apartment complex. After failing to convince them that I was not a residence and that I own a home, I ask for a lease contract with my signature and was send an itemize bill with my name typed into it.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to Credit Bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  XXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.