davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, Equifax, XXXX To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
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. (GA)

I recently reviewed my consumer report and to my surprise, i found XXXX, XXXX and Experian reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Consumer complaint received 2024-01-19
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. (AL)

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 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 has violated my rights. Or 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Requested a pay off letter reflecting paid in full and closed. XXXX sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. XXXX should do the same by giving me a true and honorable letter of paid in full.
Consumer complaint received 2023-03-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$3000.00}. Please delete.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This consumer reporting agency TransUnion LLC is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my TransUnion report and notice 11 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting TransUnion with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Transunion LLC knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, TransUnion must remove the 11 inaccurate and incomplete accounts listed in my notice sent to them on XXXXXXXX  or face legal action for noncompliance.
Consumer complaint received 2021-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (PA)

My niece XXXX XXXX needed me XXXX XXXX to cosign with XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX. When I closed the account XX/XX/2021, the Rep at XXXX stated my niece will not have any problems continuing to make the payments. 
As you know the COVD came and many things were going on in banks, losing workers etc. My niece had trouble making several of the payments this year. For the last 6 or 7 months, each time my niece or I spoke to a Rep, we would both either get hung up on, transferred and the phone got disconnected. They refused to let us speak to any supervisor when it was requested. Me and my niece called individual times. As a result of poor Customer Service, giving misinformation or no information at all. My credit report changed from XXXX to XXXX. I received letters from my credit card card companies canceling my credit card. I can not refinance my house or even rent a XXXX. Because my niece was having problems with her bank and XXXX so the payments were late. THey never told me nor my niece about the COVD hardship that could have resolved all our problems and my credit report would not be damaged. I tried to call today and from XXXX to XXXX. I called 7 times. Spoke to 7 people who I either hung up on me, transferred me than the call dropped. This is not fair. My niece is not knowledgeable in finances so I never knew what she was going thru until I received my credit report showing a drop from XXXX to XXXX. And it dropped even lower. Every Rep refuses me to speak to a Supervisor. They refuse to give me a direct number to the hardship dept and everytime they transfer me. The call drops. This is not fair. I had perfect credit. Now my life as a XXXX XXXX is destroyed.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (KY)

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Amex is trying to collect an alleged debt that was not created by me. I am demanding that they cease all attempts to collect debt from these fraudulent accounts and release all liability from me. I also demand that reporting to the credit bureaus stop and this account be removed from my credit file.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FTC REPORT # XXXX ( Uplodaded ) Wow. I cant believe Transunion XXXX XXXX is allowed to get away with reporting misinformation and keeping my credit worthiness is bondage. 

XXXX is the only credit bearus who have deleted this information ( proof uploaded ) but Transunion XXXX XXXX simply ignore us. 
I have submitted proper supporting documents for my disputes and they just ignore them, like I am trash. Some needs to home this company accountable for the damage and stress they are causing consumers like myself. 

I have to 2 accounts that have been disputed only to come back verified. 

1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

the last week of XXXX I contacted LVNV FUNDING LLC about the amount they are trying collect is the wrong amount and that they are actually charging me double of what the debt originally was. I was told someone would contact me about the situation but no one ever contacted me.
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. (PA)

I dispute the account that Experian reported incorrectly in my credit report and send evidence that shows the account doesn't belong to me. I sent a certificate letter to the company XXXX XXXX on XX/XX/2023. They never responded and asked Experian for the information they have to report the account and they never sent me anything, I sent the evidence of the certificate letter the past 30 days or more en still have no answer from Experian or the company, the violate my right an have 3 ore more violation to the law for not delete this account.
Consumer complaint received 2023-03-30
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. (IL)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

Back in XXXX of 2021 I was awarded grant funds from SBA in the amount of XXXX. Citi without warning disabled my account and stopped me from accessing my funds even though I pleaded with them at the time that I was in another country and was trying to get home so my daughter could get medical attention. They did not care. Once I was able to get home after borrowing money from family I received a letter in the mail that stated I had 10 days to prove my XXXX was my own. Upon me calling to submit my documents they told me it was too late and the account was going to be closed. I got the run around for 3 months even though they told me the account would be closed 30 to 60 days it took 90 days to close. They told me the funds that were granted to me were returned to the SBA and I waited for months to receive reimbursement. Finally after calling so many times Citi admitted that they still had the money even after telling me they didnt for months. I was then told that in order to get my money I would need to go to my nearest branch and pick up funds. I pleaded with them and told them there were no branches in the state of GA and that my nearest active branch was in fact in Florida XXXX Florida. After constant calling I decided to finally go and see if I could pick up the remaining of my funds of {$10000.00} The banker XXXX told me it was not possible so a trip taken for nothing I wasted hundreds of dollars and Citi reps or the company still had no mercy they then proceeded to say changing their entire story that the SBA needed to have a subpoena sent for me to get my funds or they would keep my funds indefinitely. I attempted to have this done Turns out SBA could do nothing for me. As they have stated many time the money is supposed to be sent back to the treasury then to them once declined by the bank. No one could understand why Citi held on to my funds the way they were doing they never had any real answers as to why my accounts were closed but still had not sent my money even though the accounts are literally closed and they stated if I did not get subpoena they keep my funds indefinitely. This has been the worst experience of my life and I want justice I'm tired of calling speaking to their rude nonchalant representative who are just so nasty. I want justice I want my money and I want compensation that I spent months and months trying to make it without the money that was awarded to me! I need that money now and needed it then!
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I lost my job back when the Pandemic started, so I called my mortgage company Suntrust now Truist Bank to do a Forebearance, got it approved for XXXX. I was working with the Home Perservance dept. I signed a legal document/faxed it in on XX/XX/2021 to agree to come off of the Forbearance. My 1st payment started back on XX/XX/XXXX was to be {$590.00} going forward. I was instructed to disregard what the Suntrust Website stated, however I didn't, when i checked the website it stated to pay {$630.00}, so i did. I then called the Home Perservation dept back to inform them of what I actually paid, the Rep said I was only to pay the {$590.00} amount of what I signed for. I have been harassed every since I came off my Forebearance. Now, I have been accused of not paying my mortgage from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not missed a Mortgage payment since I came off of my Forebearance. Now, my CREDIT SCORE has dropped way down due to the incorrect information. Suntrust/Truist Bank has harassed me weekly/monthly to pay a lot of money due to my Taxes that went up. That is why the website stated {$630.00}. So I had to keep calling the Home Perservance Dept for help, the 2 departments were blaming the other. I was only following what I was instructed to do of the {$590.00}. I then ask then Truist Bank rep if i could pay the Escrow separate in installments, they said NO, so they took funds from each Mortgage Payment that I was making from XXXX thru XXXX to cover the shortgage. Again, I was never late making my Mortgage Payments. I will attach all my Bank Statement to prove I was never late.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION (CA)

XXXX charged {$860.00} & {$350.00} on XX/XX/XXXX, a full week after authorized to charge ending up in over {$1200.00} in overcharges in my account, which shouldnt even be able to overdraft XXXX,  let alone {$1200.00}. I was spending my COVID stimulus on XXXX and the balance was released back to my account apparently on XXXX but the authorisation still took money out on XX/XX/XXXX when it should have expired 3 days after not being charged on XXXX ( XXXX at the latest! ). Difficult events to thoroughly & efficiently explain but tell me what clarifications you need.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (GA)

Choose according to account type. These can be combined My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-03-29
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. (TX)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I found a lot of errors on my credit report. I asked for those accounts to be investigated within 30 days. I did not receive any response until those 30 days, and also i have not received any of those account with my signature proving that these accounts belong to me.
Consumer complaint received 2023-03-30
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. (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 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 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 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I submitted a fraud complaint because someone charged me over {$250.00} to my account. Called the bank spent countless hours on the phone USAA closed the ticket saying they got info from the merchant saying it wasnt fraud. Ive never done business with the merchant have no clue who they are. Its a charge from someone in the XXXX. Bank said they were advised it came from my Email. Which is impossible I didnt authorize that charge