davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 2022-09-20
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. (IL)

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 n 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 us 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 n admitted they had my police report n 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

I found recently out a few weeks ago and today that I am a victim of Equifax data breach in XXXX and that I had until XX/XX/XXXX to opt out of the Equifax Data Breach Class action suit which would allow me to seek a civil lawsuit against EqFx in the future for any adverse effects I suffer in the future as a result of the data breach. This is not fair since, I did not get properly notified in XXXX since in XXXX I was preoccupied with NYS accussing me of back taxes I owed them. Then in XX/XX/XXXX, I discovered that XXXX has violated my right to equal protection under the law as an adult victim of child abuse neglect and maltreatment nonsexual child victimization through it's XX/XX/XXXX Child Victims Act exclusive protections for XXXXXXXX XXXX XXXX XXXXictimization only. At these XXXX times, I never received any notice in the mail concerning any data breach in XXXX nor any deadlines to opt out by XX/XX/XXXX. So I wish to make a complaint to the CFPB about this since I am experiencing XXXX eqfx data breach adverse events while trying to utilize eqfx services per my credit report file with eqfx and eqfx id questions are not questions i am familiar with due to the corruptive nature of it's data breach and misinformation which eqfx is relying upon to verify my id whether over the phone or it's website in order for eqfx to provide me credit services which is normally free for all us citizens. So now, eqfx gets to double victimize me both in the data breach which eqfx didn't protect me from being victimized from and now after the fact, eqfx refuses to let me opt out of the class action suit by failing to properly notify me of the opt out deadline so I can choose to opt out and bring a legal suit against eqfx to help deal with future losses I will face in credit discrimination as a result of the XXXX eqfx data breach.
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARVANT FINANCIAL LLC (MI)

In XX/XX/2018, I notified Carvant Financial to cease telephone contact with me due to excessive calling and verbal threats of repossession. I have photo 's in my phone from Carvant Financial excessive calls. Their calls have been back to back and multiple times per day. I spoke with the account manager XXXX and advised him of the harassment and verbally requested the company stop all communication. I continue to review calls, text and voicemail 's from this company. I have records of expamples of the calls made : XX/XX/2018 calls from XXXX at XXXX est, XXXX XXXX est and XXXX est. This is a direct violation of the FDCPA and TCPA policies. Also dated XX/XX/2018 they called and left consecutive messages at XXXX XXXX est and XXXX est.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (AL)

FORMAL CEASE AND DESIST LETTER TO PAYPAL IN RE : 1 ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX XXXX ) Case ID XXXX I am hereby demanding PayPal cease and desist contacting me or trying to collect for these disputed transactions from me given I have no knowledge of these transactions and have strong reason to believe someone conducted these transactions under my name in order to carry out this fraudulent scheme. 

I have never had a PayPal account under my email address and believe someone created an account in my name to conduct fraudulent transactions. 

I do not recognize this activity and didnt know there was a PayPal account established in my name under this email address and am requesting I not be obligated to pay these amounts given I never opened this PayPal account or conducted these transactions. 

PayPal has also stated to me there is no active account under my email and it assumes the fraudulent account was closed so there is no way for me to respond to this case and let you all know this and what was going on here. 

I did not authorize nor do I recognize any of these transactions, therefore, shall not be obligated to pay for these disputes transactions and will file a lawsuit against PayPal in the event PayPal tries to make me pay for these transactions which I know nothing about. 

I have already requested PayPal stop contacting me under FDCPA in regards to these transactions and cease any and all communication in regards to these transactions which I know nothing about and in the event PayPal continues to try to contact me in regards to these transactions and/or attempts to force me to pay for transactions I know nothing about my attorney is already prepared to file a lawsuit. 

Sincerely, The XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (IL)

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.Section 602 A. states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

1. CREDITOR : XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$4600.00} 2. CREDITOR : XXXX  XXXXXXXX ACCOUNT XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$270.00} 3. CREDITOR : XXXX  XXXX  ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$9300.00} 4. CREDITOR : XXXX XXXXXXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, OR XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$2500.00} 5. CREDITOR : XXXX XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX, WI XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$450.00} 6. CREDITOR : XXXX XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3600.00} 7. CREDITOR : XXXX XXXX XXXX  XXXX ACCOUNT : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, IA XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$3300.00} THESE ARE THE ALLEGED ACCOUNTS I WANT REMOVED FROM MY CREDIT REPORT IMMEDIATLY THANK YOU, XXXX XXXX
Consumer complaint received 2024-11-09
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX/XXXX  XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # XXXX - XXXX  Account # XXXX - XXXX Account # XXXX - XXXX/XXXX  Account # XXXX - XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-09-11
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. (DC)

I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2022-09-20
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-20
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$670.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, I was the victim of a wire fraud transfer and immediately opened a case with Citibank Fraud case # XXXX. The contact I am working with is Fraud supervisor, XXXX. It was requested that I report the case to both the FBI, local authorities, and the bank in which my funds were transferred, which is XXXX XXXX I completed this request the day it happened. I have been working with XXXX XXXX with the XXXX Police department. His number is : XXXX. 

Here are the details of the fraud/scam : I received a text message for a couple of flagged charges and in typical Citibank fraud alert fashion it asked me to respond with a 1 for YES or 2 for NO for no for verification. I responded with a 2 for NO and within a few seconds my phone rang. The woman on the other end presented herself as a Citi fraud manager who was going assist me with receiving a new debit card. I did not give her any personal details over the phone. She sent me three more text messages for which was presented as a two-step verification process, and this was how they were able to gain access into my account to successfully send a fraudulent wire transfer from my Citibank account to XXXX in XXXX. I received an email notification of the wire transfer which is how I was able to immediately report it. 

The Citibank fraud supervisor sent XXXX XXXX a Hold Harmless letter requesting the funds be recovered and sent back to Citibank. Detective XXXX with XXXX PD received communication from XXXX that the funds were sent to Citibank XXXX XXXX XX/XX/XXXX ) and Citibank is claiming they have not heard back from XXXX. I am beyond frustrated. 

My case is currently active and after speaking Citibank several times, I was told my funds were not guaranteed to be returned to me. My money is supposed to be FDIC insured. I have rent due in a few weeks. This may get me evicted from my apartment. I have been a Citi customer since 2006 and I am beside myself that I could potentially not get all of my money back which was {$1500.00}. Ive asked the Citibank fraud team several times the following questions ; How did the fraud/scammers know I was a Citibank customer? How were they able to gain access into my account online without my password? How did they know my username? Ive never sent a wire transfer in my entire life and why wasnt that red flagged?? They have not been able to answer these questions. 

I am attaching screen shots of the initial fraud alert which clearly states it is from Citibank and mimics the exact type of text I have received from them in the past. I absolutely believed I was communicating with my bank, and I have no idea how I was supposed to know otherwise. 

I need someone to help me with this. The fraud department can only do so much. They shared this has been a known issue within Citibank and other financial institutions. I need my funds returned as soon as possible. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (MN)

I paid westlake financial {$3800.00} on XX/XX/XXXX for XXXX missed payments for XXXX and XXXX of XXXX and for XXXX upfront payments from XX/XX/XXXX until XX/XX/XXXX My first payment for this year was not due until XX/XX/XXXX. When I paid them the money last XXXX they told me how much I needed too pay in order too have my account current until XXXX of XXXX and I told them not too call me expecting a payment until XXXX they agreed. They started harassing me in XXXX of this year saying that I owe them {$34.00} for what?? Then they said I owe them a payment for XXXX. Then when I tried paying online for XXXX payment XXXX XXXX blocked my access too pay my account online so I have too call in and speak too someone. When I call in I am threatened about my car being repossessed and harassed and they dont allow me too make a payment without charging me a fee for posting the transaction or they dont allow me too make a payment because of the harassment that I just hang up.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently tried to pull my credit report and credit score i discovered there was a blockage place on my credit profile by Transunion due to my identity. I was told I needed to upload proof as well as something stating I was a victim of XXXX XXXX. Ive sent in this letter via mail to the credit bureaus and the block yet is still not removed along with proof of my identity
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I established a credit card ending in XXXX with USAA Bank 30 years ago. The company decided to close my account after 30 years because I did not make a purchase on it in 3 years, however, Ive had this credit for years with no purchase. They set a precedence that they broke and it will now negatively affect my credit score XXXX this was the longest established credit card on my credit bureau. I NEVER asked USAA to close. I called USAA to have it re-activated and they said they could not. There is something very wrong with this practice!