davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I was contacted by TSI ( bill collection agency ) to collect FALSE Discount Power electric ( past due ) bill for an address in XXXX, TX, that was using MY name and mailing address ( in XXXX, TX ) as the billing name/ address. Per discussion with power company, the account holder also has my social security number identity!
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. Transunion has been contacted multiple times and there has been no update provided on the status of this report.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (MS)

In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-13
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. (VA)

1 : Equifax INQUIRY XXXX XXXX XXXX XXXX Late XX/XX/2021 I DID NOT AUTHORIZE THIS REPORTA SO CALLED FINANCIAL BROKER NAMED XXXX XXXX MADE THE INQUIRYWITHOUT MY PERMISSION I CALLED THE THE XXXX XXXX FIRST THEY DID NOTHING I MAY JUST SUE THEM IN MY LOCAL COURT I HAVE BEEN TRYING TO FILE A COMPLAINT WITH EQUIFAX OVER SEVERAL MONTHS THEY WILLNOT ALLOW ME TO LOG IN TRY AGAIN LATER I DEMAND A REMOVAL OF THIS INQUIRY 2-XXXX XXXX XXXXXXXXXXXX XXXX THIS " BROKERAGE " SENT ME TO THE " CHECK YOUR OFFERS WITHOUT AFFECTING YOUR CREDIT SCORE '' THAN DID AN INQUIRY SAME DAY ITS ON MY REPORT I WAS BAIT AND SWITCHED-THE CREDITS OF THIER FRAUDULENT SOAP OPERA OPEN WITH " NO EFFECT ETC '' I DEMAND REMOVAL AND DID NOT UNDERSTAND THE VERY VAGUE FINE PRINT
Consumer complaint received 2022-04-13
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: U.S. BANCORP (AZ)

On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. 

I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. 

On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. 

On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . 

After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. 

I have asked XXXX for a copy of their guidelines and they have refused to answer. 

I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, XXXX and Equifax account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent 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 2022-08-23
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: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NV)

EOS CCA is a debt collection company that has purchased a Fraudulent debt or Identity thief debt from XXXX XXXX in my name in the amount of {$2400.00}. 
This debt is not mine, I have tried in every way to get this company to remove this fraudulent debt from my credit report. I have received a fraud pocket from EOS CCA in XXXX XXXX XXXX, I promptly completed the pocket/documents and summitted a Affidavit signed by a Notary and mailed the package on XX/XX/2020 as a registered package to an address in XXXX MA that was on the documents. This is the address of EOS CCA. The USPS sent me an alert when the mail was delivered to the EOS CCA address. That was almost two months ago and I haven't received a reply as promised to myself and the XXXX XXXX  XXXX from EOS CCA..I have sent documents to this company with the telephone number which I had during the period in question and they still refused to correct this gross error. 
Below is the USPS receipt from a registered mail dated XX/XX/2020 and mail to XXXX MA, the return address on the affidavit. They have informed the XXXX that they did not received the registered package despite the contrary from the USPS. Below is verification of delivery by the USPS.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-08-09
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 (AZ)

I have been trying to close my PayPal account for weeks. I have called them and told them to close it. They say ok and then they don't close it. I try online and it gives the the option then loops around and around. There is a zero balance and I removed my card months ago.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NV)

CITI BANK CRDIT CARD REPLACEMENT PROMISED WAS NEVER RECEIVED FO OVER A MONTH. I CALLED CITI CARDS ALMOST EVERYDAY TO FIND OUT WHAT HAPPENED O MY CARD. THIS BANK OVER & OVER AGAIN TOLD ME ME THAT IT WILL ARRIVE IN TWO BUSINESS DAYS, NEVER HAPPENED.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I have already filed a complaint this will be my second one. I had approximately XXXX of unauthorized transactions on my bank account ( BB & t ) now Truist. I followed their procedures provided all required documents required and they denied my claim. Well the story just broke and I am not alone there were several other with same problem. They are getting their money back and I need to know what do so I can try and get my money back.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

I was living at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX from XXXX. Upon the ending of my contracted agreement, I was put on a month-to-month lease. I was told to have a 30day notice in writing which I email for my own copies and went in and signed a form and had a completed walk through. I paid a cleaning and security fee upon signing my original contract. A year later, I receive a letter in the mail stating that I was evicted and that they were charging me XXXX in cleaning fees. When calling numerous times, I was told they had switched management teams and would need to get a hold of their new manager to find my information, whom was never in the office or returned calls or emails. I was NOT evicted, and my cleaning fees were paid up front.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

On XX/XX/2022, DISCOVER BANK added a derogatory mark on my credit report per XXXX. Upon further research, this account was settled/Paid in full. I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, DISCOVER BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-04-01
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

EQUIFAX CONTINUES TO REPORT AN ACCOUNT THAT HAS BEEN CLOSED AND PAID IN FULL OVER A YEAR AGO! I HAVE NOTED THEM OF THIS ERROR FOR NUMEROUS MONTHS AND THEY HAVE REFUSED TO CORRECT AND UPDATE THE INFORMATION TO REFLECT ACCURATE INFORMATION. THEY ARE THE ONLY CREDIT AGENCY REPORTING THIS INCORRECTLY AND THE ONLY ONE NOT UPDATEING IT TO REFLECT CORRECT INFORMATION. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL AND CLOSED. I HAVE ONLY ONE MORTGAGE AND THAT IS WITH XXXX AND THAT IS THE ONLY ONE THAT SHOULD REFLECT OPEN THEY CONTINUE TO REFLECT BOTH OF THESE OPEN AND THAT IS FALSE AND WRONG INFORMATION.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Fair Financial Corp. (CA)

I purchased a lease to own car from XXXX XXXX leasing on XX/XX/2015. The terms of the deal were that I had to pay {$130.00} every week for 3 consecutive years. I kept up my side of the deal as far as making payments but after the second year I gave the company {$8000.00} in advance to buyout the final year of the lease. The original company whom I obtained the lease from XXXX XXXX XXXX XXXX has since sold the company to a new company called ( Fair ). Fair is  now saying that they never received the money from my {$8000.00} payments even though my bank XXXX XXXX is indicating that the money did indeed go through and no reversals were made. I have received emails from the original leasing company with confirmation numbers and receipts to back up my claims. My car has since been wrongfully reposed and the company is now saying I owe $ XXXX.I contacted the company and requested an itemized accounting of my payments and they have refused to provide me with my records.
Consumer complaint received 2022-04-25
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. (TN)

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. 

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 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This company is showing that i have a late payment and i have never had a late payment with them Also this company has dropped my credit score XXXX points I have never had a late payment before in my life and need this removed immediately
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is the second complaint about Equifax not being able to fix their credit freeze lift/thaw process. It is unacceptable that this credit bureau stands in the way of conducting business without any consequence. I have all the valid information needed to lift a freeze on my account yet their online system is always broken despite reporting this for several years. I can not get anyone by phone. The images submitted with this claims are not just in this instance, they always happen as if Equifax 's systems are designed not to be usable.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I applied for a credit Card with Wayfair. I applied becuase they advertised I could receive {$40.00} off a {$250.00} or more purchase. I attempted to purchase several items worth more than {$250.00}. The web site repeatedly gave me an error message for the addtional items that would put purchase over {$250.00}. 

I have attemtped to chat and call Wayfair call center to resolve this issue. At the very least to close my account. I can not get through to a person who will close my account.
Consumer complaint received 2022-04-13
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: ID Analytics, Inc. (FL)

I recently submitted a request for investigation of an Acct Number : CHILDSUPPORT XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXXXXXX 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 DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/1976 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX