davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was disputing inaccurate items that was placed on my credit file. I have reached out to the credit bureaus numerous of times to have the items removed or corrected. I also had reached out to the creditors to have that account removed. I was told over the phone to reach out to the credit bureaus and ask them to remove the items. The credit bureaus violated my rights because they failed to respond to my disputes. I have sent dozens of letters and I haven't received anything in the mail from the credit bureaus showing that they even open up an investigation. I have checked my credit with different credit monitoring to see if they have started but there wasn't any comments showing that the items was in disputes. I had mailed letters off certified and the tracking shows that they have received the mail. My credit score is continuing to go down because the credit bureaus refuse to maintain the laws of the fair credit reporting act and remove those items off my credit file. This is causing much hardship and pain and suffering. I have had multiple anxiety attacks because I can not get a car nor a good job to support my family because of the multiple inaccurate items that's on my credit file.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX SYSTEMS ACCOUNT DELIQUENT ACCT OPENED XX/XX/year> I DID NOT OPEN AN ACCOUNT IN XXXX NOT HAVE KNOWLEDGE OF THE ACCOUNT. I HAVE ATTACHED THE RESPONSE LETTER FROM XXXX WHERE NO ACCOUNT SHOWS UP ON XX/XX/year> NOR DOES THE AMOUNT ADD TO XXXX. DELETE THE ERRONOUS INFO I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Southwest Credit Systems From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been a Suntrust customer for over 15 years. I have over {$140000.00} in my checking and savings accounts. I have never had a returned check or and overdraft item. My credit is perfect with a score of XXXX. I rarely use the branch for any transactions I use direct deposit and online banking. I just received a letter informing me that Suntrust is closing my accounts. There is no reason for this action in the letter. I called Suntrust and they would not tell me why they are closing my account.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to address a matter of urgent concern regarding my account with your company. It has come to my attention that there are several fraudulent items present on my account statement, and I am requesting immediate action for their removal. 

Upon reviewing my recent account statements, I noticed several transactions that I did not authorize or recognize. These transactions include [ describe fraudulent transactions with dates, amounts, and any other relevant details ]. It is evident that my account security has been compromised, and I am deeply troubled by the presence of these unauthorized charges. 

I have taken the necessary steps to report these fraudulent transactions to your customer service department, providing all relevant information and documentation. However, despite my efforts, the fraudulent items have not been removed from my account, and I am increasingly concerned about the impact on my financial well-being. 

As a loyal customer, I expect that my account is protected against unauthorized access and fraudulent activity. The presence of these fraudulent charges not only undermines my confidence in your company 's security measures but also poses a significant inconvenience and financial risk to me. 

I urge you to prioritize the removal of these fraudulent items from my account and to take immediate steps to enhance the security of my account to prevent any further unauthorized activity. Additionally, I request regular updates on the progress of your investigation and efforts to resolve this matter. 

Please provide me with a clear timeline for the resolution of this issue and any steps I need to take to expedite the process. Furthermore, I would appreciate compensation for any fees or charges incurred as a result of these fraudulent transactions. I am asking for your assisstance to remove these 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 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 2024-02-21
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. (CT)

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 Name : XXXX XXXX Account Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX and list of Inquiries. 


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 2021-09-02
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I am a consumer of the United States and Transworld System INC who is a third party debt collector is attempting to collect on a Alleged debt they purchased. Pursuant to the federal fair debt collection practices act they have no right to collect or report on Alleged debt without my written consent nor consent to any other company as well. This is identity theft my information was accessed and sold without my prior knowledge. I am constantly being called numerous times everyday from different phone numbers harassed by mail and threatened. All of this is a direct violation of the Federal debt collection practices act 15 USC chapter 41. Attached is a cease and desist that was sent certified on XX/XX/XXXX they received XX/XX/XXXX certified mail with green return receipt and did not respond to but continues to try to collect on. All of the violations are submitted and remedy that I demanded.
Consumer complaint received 2021-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc. (OR)

In XXXX of XXXX calls and a court request for debt that was owed. On phone calls I was advised of medical bills then another bill for towing and storage of a XXXX that I have never had or owned. When trying to dispute the towing and storage fees the agent got really disrespectful and said that I just need to produce a bill of sale which I advised I was not able to cause I have never had this car. I am now being garnished for {$2600.00} case # XXXX. I have called and spoke with XXXX in Oregon and was advised that the car was never in my name and was in salvage yard as of XXXX and collection agency is trying to state that the towing and storage occurred in XXXX.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/21 I was billed for my wife 's XXXX XXXX. My Platinum AmExp card has a benefit to pay the {$100.00} for this service. When I received my statement I noticed the charge on my bill. I called American Express on XX/XX/21 and XXXX, who was very nice, confirmed my account would be credited back the {$100.00}. I paid the {$100.00} and bill in full, as always and on time because of our agreement. On XX/XX/21 I made a series of calls about this charge that remained on my bill and questions about the {$550.00} fee and continuing the account. I spoke with XXXX, XXXX, XXXX ( XXXX ), XXXX, Ms XXXX, and XXXX. The calls tallied just under 2 hours. After these lengthy conversations, XXXX, the Supervisor at the Retention/Loyalty Department said that I would be offered {$150.00} to offset the {$550.00} fee but I would have to go back to AmExp Customer Service to rectify my valid complaint about the {$100.00} dispute that was previously resolved. When he transferred me back to XXXX, I was disconnected. Please have the bosses review the recording with XXXX, etc. XX/XX/21 XXXX that lasted XXXX. Ms XXXX, XXXX XXXX said no to resolving the {$100.00} credit and then told me the {$150.00} Loyalty credit had been taken away. Later it was put back on my account.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Sent 2 disputes to Experian regarding incorrect information being reported from XXXX  XXXX. Evidence was sent twice that an account reporting 30 days late was not owed in the first place. I also called Experian and spoke to someone about the account being reported incorrectly.Experian updated the information to reflect paid/closed and 30 days late.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid in settlement. {$570.00} written off. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 


XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (DE)

There's information on my background check from over 7 years ago that is being sent to possible places of employment and getting in the way of me securing a job and providing for my family. This most recent incident is putting a hold on my employment with a company and the general manager of the company has emailed them every day and asked if I ever received any correspondence in which I received a letter saying that my conditional offer of employment may be revoked because of the outdated information. 

The agency that reported the outdated information is XXXX XXXX XXXX XXXX, a HireRight company
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (TX)

XXXX  XXXX XXXX is a debt collector in pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. XXXX  XXXX XXXX has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 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. XXXX  XXXX XXXX has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I need help, XXXX took my money and never applied it to my account then sold it to another collection company. This is from my prior complaint XXXX I reviewed what XXXX has in their records but where did my payments go that came out of my bank account? I have been for more than a year. This isn't right. Do I need to get an attorney?
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank/Victoria 's Secret is reporting two duplicate accounts to XXXX XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been patiently waiting on Equifax 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2021-10-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am filing this complaint against Ocwen/PHH/XXXX XXXX . I have a shared appreciation modification loan number ( on next page ) in which my second deed of trust 's debt was rolled into the modification. If I completed on time payment for three years, the total outstanding back debt would be forgivien. I have completed the three years, and the debt was forgiven. I have an offer for my home, and I am in a contract. Now that I am trying to close my house, OCWEN/PHH/XXXX XXXX is attempting to awaken a debt included in the back monies owed ; I am requesting that PHH/OCWEN/XXXX XXXX  either assign my second to my first or processes a lien release at the XXXX County Recorder 's Office. I also request that they give me an itemization of the back debt to include the second deed of trust.
Consumer complaint received 2021-08-09
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. (NY)

XXXX XXXX DELIQUENCY ALERTS FOR XXXX XXXX : XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX XX/XX/2021 : XXXX XXXX SPOKE WITH COMPANY ABOUT UNRECOGNIZED CHARGES WHICH I DID NOT AUTHORIZE AND COMP Y STATED THEY WERE NOT ABLE TO LOCATE AN ACCOUNT WITH MY EMAIL, PHONE, ADDRESS, OR NAME. THESE ARE FRAUDULENT CHARGES AS I HAVE NOT DEALT WITH THIS COMPANY OR PURCHASED ANYTHING IN THESE AMOUNTS. 

THESE ALERTS WERE REPORTED TO EXPERIAN.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

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 1681.10 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 15 U.S.C 1681 c. ( 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 vears. 15 U.S.C. 1681s-2 ( A1 ) 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act 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.