davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit reporting act XXXX 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 XXXX XXXX .... 

Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 


After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 

Type Auto Loan Terms XXXX  Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 

Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. 

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX .... 

Updated The information you disputed has been updated. Please review your report for the details. 

XXXX XXXX XXXX XXXX XXXX Pending If our reinvestigation has not resolved your dispute view your options
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (PA)

My complaint is actually with CFPB. The last few disputes were in regard to Commonwealth Financial Systems who is misrepresenting the date of the debt. They posted the date that they opened the account when purchased from a Broker, not the actual date of service. If you look at other disputes, XXXX XXXX XXXX XXXX XXXXXXXX? ) and XXXX XXXX removed two debts from the same company once the age of the debt reached XXXXXXXX XXXX, as the debts were from a XXXX XXXX XXXX XXXX XXXX 
This debt originated from the same practice, original collection agency was XXXX. Commonwealth is using misleading and inaccurate information, since the date of service was XX/XX/XXXX, not the date they are using, XX/XX/XXXX. I have asked repeatedly for the correct date to be on the report but was refused, and CFPB is allowing them to get away with it.
Consumer complaint received 2023-01-12
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BMO Bank, N.A. (KY)

On XX/XX/2022, I received a letter in the mail from BMO Harris Bank regarding a new savings account that was opened in my name. I did not open this account. I contacted BMO Harris immediately and informed them that this was fraudulent. I then filed a report on XXXX. A report pulled from XXXX showed that a fake California driver 's license was used to open this account. I provided this information to the BMO Harris fraud department. I never received a follow-up from them and was unable to speak with anyone at the fraud department despite trying to contact them several times. On XX/XX/2022, I saw on my credit report that a credit card had been opened in my name at BMO Harris bank. I did not open this credit card. I filed a police report and again contacted the BMO Harris fraud department and provided them with the police report number. The person I spoke with at the fraud department recognized these accounts as fraudulent. They also informed me that is was there policy to not contact consumer who filed identity theft claims and that I must contact them for updates. However, there is no direct line to the fraud department. I've called the main customer service line multiple times and even they were not able to speak with someone from the fraud department on multiple occasions. I also filed a dispute with the three major credit bureaus regarding the fraudulent credit card account and fake address used on my credit report. However, the all three denied my identity theft claim and stated that the credit report was accurate, despite all the evidence to the contrary.
Consumer complaint received 2022-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: First Technology Federal Credit Union (NC)

My loan was obtained through XXXX as broker and through First Tech Federal Credit union. The deposited proceeds from the loan hit my bank account on XX/XX/22, however the amount being paid directly to credit cards have not been applied, nor are there scheduled payments showing. This means I am paying interest on the funds to First Tech and to the respective credit card companies. 

XXXX - Loan Approved and Promisory Agreement Signed XXXX - Proceeds deposited into my checking account XXXX - Direct payment to cards still not posted.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have read the CFPB website and it's my understanding on a closed credit card account with a balance. The credit card company must notify you 45 days in advance when the decide to change the interest on the balance owed. 

Im emailing today to get a solution to USAA in violation of that 45 day notice and to date no notice has been received. 

Usaa is changing my interest rate on a closed account and is not notifying me at all. Usaa is my credit card ending in XXXX. The account was closed by USAA a while back when i had covid struggles. Usaa company decided to close it not my request XXXX or XXXX. To my knowledge I have paid it continually and kept the account up at 10.9 % for years. I requested a good faith decrease in interest rate to help get caught up and was told that's not possible once its closed it was locked in. Usaa when I spoke to a repe said it will not go up nor down. Months later I get Two increases XX/XX/XXXX 11.15 % or XX/XX/XXXX 11.65 % it increased once more. I have received no notification of any kind of increase only way I can tell is the amount of interest increases on the history. I called the company a few times each time sorry nothing i can do. "
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (IL)

I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NORTHWEST BANCSHARES INC (IN)

My wife purchased a new vehicle through XXXX and her loan was set up through Northwest Bank. When she set it up, she was told she would be sent information in the mail with account number information on how to set it up. She never received this information and when she called to try to pay over the phone, she was told she couldnt because she didnt have her account number. This went back and forth for months ( they called me and harassed me multiple times on my work phone too ) and anytime wed call to try to pay, they werent able to help us. We finally connected with someone about a month ago and they told us your car is in repossession status and you have 2 days to send us a cashiers check for roughly {$2600.00} or else your car will be repossessed. They told us they had sent something in the mail about this ( which we never received ). We told them we had tried to pay for months but their agency was extremely unhelpful/rude/condescending and werent able to help us pay. The car is paid up-to-date now but this saga crushed both of our credit scores which is extremely unfair. My credit history was spotless before this situation happened and they havent done anything to rectify it. Please help me and my wife as we dont feel that its right for our credit scores to be impacted like this. I have personally seen a drop of between XXXX points which is insane. Please help!
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

Good morning, On XX/XX/XXXX, I was at work when I received a transaction notification from my Chime Credit Builder credit card that a charge for {$61.00} from XXXX XXXX has just been drafted against my account. I had not authorized this charge, so I immediately ran to call Chime Bank to dispute it. While I was on the phone actually speaking with a disputes agent, a separate charge in the amount of {$58.00} attempted to draft against my Chime Credit Builder credit card. It was declined. Then I received a notification that the {$58.00} had drafted from my Chime Checking Account instead. I mentioned this on the phone call with the Chime disputes agent, and she acknowledged seeing the charges happening, so she hurried to close both of my accounts and issue new cards. She disputed both charges as unauthorized, so I was dumbfounded when Chime denied my disputes and said they saw no wrongdoing. I called them immediately and spoke with a supervisor who said there was nothing he could do, and that the charges were valid. 

I immediately reached out to XXXX for additional information that I could use to continue the disputes. I received an email from XXXX stating the following ( all of which was provided to Chime bank ) : 1. XXXX acknowledged that there were unauthorized changes and fraudulent charges made on my XXXX online account. The fraudsters hacked my XXXX account, changed the email address to XXXX and began ordering with my stored debit and credit builder cards. My email address is XXXX. 

2. These two pickup orders were placed FROM XXXX XXXXXXXX XXXX New Jersey ) and XXXX ( New York ). I live in XXXX, Virginia, which is XXXX hours from XXXX and XXXX hours from XXXX XXXX. There is no way I could have picked up food XXXX and XXXX states away. 

3. The times these orders were placed ( XX/XX/XXXX XXXX AM and XX/XX/XXXX XXXX AM ) I was already on the phone with Chime shutting down my accounts. 

This is fraud pure and simple ; and it is unsettling that Chime is trying to hold me liable for fraud after all the evidence I provided to them. I even requested they listen to the phone call between the Chime Disputes Agent and me- they would have heard her acknowledge what was happening in " real-time ''. I provided Chime with the XXXX automated email where the scammers changed my email address to gain access to my XXXX XXXX account, I provided the email from the XXXX XXXX XXXX where they gave all the details showing this was fraud, I gave the XXXX driving time frames to the cities where the orders were placed and picked up, I gave them my call records to show I was on the phone with Chime shutting down my accounts when the second charge was going through... I basically handed them everything they needed to make a fraud case, and they declined to proceed. To say I am disappointed is an understatement. I do not want to pay for a scammer 's lunch.
Consumer complaint received 2024-10-28
Product: Credit reporting 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)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-08
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. (WI)

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX-XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-08
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. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Acct. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-10-28
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
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. (NC)

In accordance with the fair credit reporting act : 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-08
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)

The credit bureaus never completed a proper " investigation '' according to the FCRA. 

The term " investigate 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 or information. 

They did not do this. 

Also, they have violated my rights even more Under the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated the account was investigated correctly ; this can not be possible if the open date is inaccurate, the date last active is incorrect, and the date last reported is not accurate. This is ground for removal. 

They also violated the law because according to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1687 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without the written instructions of the consumer. 

I have not provided written instructions to any agency
Consumer complaint received 2024-10-28
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.