davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (NY)

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.
Consumer complaint received 2023-03-08
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. (TX)

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 AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. 

XXXX ) XXXXXXXX XXXX XXXX  - {$300.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$690.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX ) XXXX XXXX XXXX XXXX XXXX  {$1600.00}
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 late open XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Consumer complaint received 2017-08-23
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. (VA)

I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. XXXX and Transunion continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the  debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a customer with Capital One since XX/XX/XXXX. I currently have a {$2000.00} credit limit. I have always paid on time and 9 times last year I paid between $ XXXX on my bill. I have applied 2 times for a credit line increase, most recently in XX/XX/XXXX. The credit increase was declined stating that my average monthly payment has been too low. Last year I made a total of {$2700.00} in payments which averages out to approximately {$220.00} per month.I recently obtained my credit score from XXXX and it shows that I have a credit score of between XXXX ( XXXX ) and XXXX ( XXXX ). 
Based on my payment history and credit score I feel that I have been unfairly denied credit on the basis of my race or age.
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (OH)

Reason of request : The below inquiries are fraudulent and NOT authorized by me. I called and spoke to SYNCBXXXX and they informed me they will not send me a letter stating this inquiry was not authorized. They also informed me that it is XXXX responsibility to contact them before they can even speak to me about it. Regardless, the below inquiry from SYNCBXXXX is fraudulent, and the below name and address of the inquiry is NOT me nor my address. Please remove these from my credit report. 
Reporting agency : XXXX Hard Inquiries XXXX via SYNCXXXX on XX/XX/2023 Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION Inquiry Analysis was submitted by someone using my name but a different address than mine and one that I have never lived at.
Consumer complaint received 2023-05-05
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-05
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 name : # XXXX has violated my rights. 
Account name : # XXXX name : # XXXX has violate my rights. 
Account name : # 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. 

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 2023-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MI)

I the consumer applied for a Home Depot credit card and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Home Depot/Citi Bank due to their response by the company. See attached. Home Depot/ City Bank is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Home Depot/Citibank behalf . I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AK)

We had a XXXX XXXX XXXX on our rental for years. We used the service a few times and any expenses or monthly costs were automatically paid by a valid credit card on file. Services had not been used in the last year and no notification of outstanding debt was ever sent. 

After we did much work to our rental, we decided this home warranty policy was no longer needed. 

XX/XX/XXXX - I went to the vendors website per their annual renewal notification and put in writing ( via their email contact system ) that I no longer need the policy, no errors were given but a confirmation was not also received. 

XX/XX/XXXX - I called the company via their Customer Service and asked them if they processed my cancellation that was due to renew on XXXX. I spoke with XXXX XXXX and he checked everything and saw a service fee of {$75.00} that he checked our history and no work had been performed that would warrant an outstanding fee and was unable to reference it to anything. He went to clear the charge and then it changed to a cancellation fee on the description. He was unable to clear the charge and said he never saw that happen before. He told me he would be sending the issue to someone internally for he did not have the ability to override the charge. 

XX/XX/XXXX - I received a confirmation that my XXXX XXXX policy was in fact cancelled as of XX/XX/XXXX ( day of autorenewal ) via email, even though we spoke on the phone XX/XX/XXXX about unsuccessfully trying to cancel it prior. I responded and overviewed my conversation with XXXX. 

XX/XX/XXXX - Received a debt collector notice from Nationwide credit Inc. basically trying to collect. I was out of the country and literally returned the day after they said I had to respond ( XX/XX/XXXX ). 

I have not contacted either company since this is well documented and they just need to fix their system to reverse the bogus cancellation charge. Please contact me directly if you would like to get copies of anything I have collected. I have read other complaints on how this company preys on older people and makes cancelling their services impossible.
Consumer complaint received 2023-05-05
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-07
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: GOLDMAN SACHS BANK USA (MI)

I've asked all 3-credit bureaus to do a thorough investigation on all of my accounts in which they did, and they have stated everything was accurate. I then reviewed the reports on my own and discovered that there are still improper inaccuracies on my XXXX, XXXX and XXXX credit reports. 
The account and payment history that I found to be inaccurate is : Goldman Sachs Bank USA, Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX These accounts do not belong to me. I have notified all 3 Credit Bureaus of this and asked that it be removed entirely from all 3 of my credit files, which they refuse to do. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account number ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A states that I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

On ( Friday ) XX/XX/XXXX, I had a posted balance of {$300.00} in my checking account. Over the weekend and into Monday the XXXX there were a few transactions on my account, including a mandatory XXXX station testing that I needed to get done. The dates on the transactions are clearly marked as the XXXX, XXXX and XXXX of XXXX, however they did not post to my account until the XXXX. All of the transactions that happened that weekend took out an overdraft fee of {$36.00} per transaction ( each overdraft after XXXX being blocked by a daily cap, but undoubtedly still hurting something like my credit score? ). The transaction list looks like this. 

Starting balance : XXXX XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees XXXX XXXX overdraft fee XXXX daily cap of XXXX fees Ending balance : ( XXXX ) The ending balance after all of this happened was a POSITIVE balance of XXXX, and this is not the first such time this has happened, just the first time it has happened to this extent. Luckily the vendors apply dates to the transactions when they are posted, because it clearly shows that the last date of the transactions was XXXX for the {$2.00}. 

After seeing this in my account, I went to a local Truist Bank location and asked to speak to someone that could help me. After they sat me down, they told me there was nothing that they could do because my car insurance was set to come out on the XXXX and because it was a 'pending ' transaction, that counted against my balance without being shown, and therefore meant that the posted balance and available balances were different, and that was why I got hit with the transactions. Even though the car insurance didn't come out until the XXXX from my account, and all these transactions were posted on the XXXX.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear XXXX XXXX Bank of America, I hope this message finds you well. Upon reviewing my credit report, I was alarmed to discover an account listed under my name as an " Authorized User '' that I never consented to or had any involvement with. According to the report, this account was opened on XX/XX/year> and is currently marked as Account relationship terminated. This account, which includes charge-offs and late payments, is not mine, and I have never authorized being added as an authorized user on any such account.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MD)

I applied for a mortgage loan on XX/XX/23 and approved 1 organization to pull my credit. Because the credit bureaus sells consumers personal information, I've received over 100 calls from mortgage lenders over a 24 hour period XXXX along with text messages and emails. I use my phone for business and was overwhelmed by the amount of calls that came on my cell phone that I did not give permission to call me. It's an extreme intrusion of privacy and ridiculous of the amount of calls that came in. Of all the business that should not sell our information are the credit bureaus. They are contributing to risk of fraud and identity theft just by selling all of or information to lending predators. The calls continues day two after a full day of harassments. 

I have not taken any action against the lenders because there are far too many to keep track of.
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TN)

I am having issues with TitleMax I have been charge excessive fees and when I make the payment due it's ate up in fees. I was give a opportunity to borrow on my loan and that option is gone. I feel that I would never get loan paid off with all the fees. I feel like I paid more than I owe already because of fees and 1 month was almost close to not making a payment and was told that need to make the payment or my vehicle will be repossessed. Most recent I have had some flexibility but not always.
Consumer complaint received 2023-03-04
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. (GA)

I recently reviewed my credit report and I notice some Hard Inquires on my Credit Report. I did not authorize anyone employed by these Companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. Please see Companies Below : Company Names XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX Mortgage XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Your company is clearly in violation of the law. Under 15 USC 1681C-2- Block of information resulting Identity theft. The LAW CLEARLY STATES ( a ) BLOCK Except as otherwise provided in this section, consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer ; and 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the law where it states to provide a police report. This is clearly a stall tactic and going against my human rights.