davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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)

Before submitting a complaint through the CFPB, we are required to disclose who is submitting this information. I chose " Just me '', however, I was told that Equifax would not respond to my complaint on XX/XX/2019 because they suspected me of using credit repair services. I submitted the complaint on my own. I have attached a screenshot of my browsing history showing where I visited a website with the FCRA laws and submitted my complaint after. I would like to be treated justly and according to the law that Equifax is required to adhere to. The FCRA also states that a consumer reporting agency may furnish a consumer report to a person which it has reason to believe has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer. 

If this is the law, I'm confused on why Equifax would refuse to respond to my claim because they believe that I am using a credit repair agency. If they believe that I'm using a credit repair agency, they would also understand that this type of business can not operate without consumers reports ( legitimate business reason ) and they would know that a credit repair agency would not have any way to send correspondence about a consumer to them if the consumer had not provided their personal information and permission ( initiated by the consumer ). 

Equifax failed to use this same type of regard and care with me as a consumer when dealing with creditors. 

Before I contacted CFPB, I attempted to send letters, call, fax and submit a dispute online. I have attached a screenshot of the error that I repeatedly received after sumbitting my dispute online, the dispute phone number continued to give me an error and the verification process to speak about my account with a phone representative asks for every account listed on your credit report.
Consumer complaint received 2019-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Yesterday. arepresentative from XXXX XXXX XXXX contacted me regarding several complaints filed against me. He said that I had two felony counts, one being check fraud. I told him that I would not pay anything without written notice of the debt. He went on to say that this is my only chance to resolve it and if I didnt want to talk to him then they can proceed further. Said that they would contact my employer. I told him that I do not give him permission to contact me or my employer without proof that the debt was owed. I received a voicemail today threatening to contact my employer.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to CAPITAL ONE over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, CAPITAL ONE should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, CAPITAL ONE has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " XXXX XXXX XXXX XXXXXXXX XXXX '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. CAPITAL ONE has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. Capital One 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Consumer complaint received 2024-09-04
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. (NY)

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

After misplacing my original credit card that I had not used in a long time, XXXX insisted that I be issued a new credit card and number. This account number is listed in the XXXX Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with XXXX with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including Equifax, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was XXXX 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a senior citizen and I need your help!
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I strongly disagree with the PayPal 's abrupt decision to permanently limit my account. The reason to close my account due to security issues is very obscure and is quite contrary to the way that I operate my business. All the transactions/orders have been fulfilled and shipped to the customers. Over the last 6 months of operation, I had zero disputes on my account. Furthermore, I have provided PayPal the suppliers invoices as requested, revealing my personal information and my supplier, and that significantly concerns me and especially my supplier as a breach of privacy. 

I have submitted a letter of appeal to PayPal but I have no received any response at all.
Consumer complaint received 2024-11-08
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. (CA)

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Total Card, Inc. (AL)

During spring/summer of XX/XX/XXXX, I was attempting to refinance my home. In an attempt to provide debt relief and get some of the items off of my back, my credit union helped me with a private loan to pay off credit card debt. On XX/XX/XXXX, I called XXXX XXXX and told them I needed the most recent statement to provide to my credit union so that they could cut a check paying the account out and I requested to have the account closed. While I was on the phone with them, I shredded that card plus a Total card managed by the same company and notified them I was doing so. In addition, I wrote them a letter also dated XX/XX/XXXX following up on the request I made via phone. I went to my credit union and a check was cut and mailed to XXXX XXXX dated XX/XX/XXXX for both this account and the other account I had with them. I subsequently received a letter from them telling me the account was closed however I'd incurred charges later in XXXX. I questioned them how I could possibly owe anything on a card that was closed and shredded on XX/XX/XXXX. They had no legitimate answer other than them not being made aware the account was being closed and it takes time for it to happen. I noted to them the card had been closed and shredded on XX/XX/XXXX. They sent me an affidavit asking me to file a police report and provide a bunch of other information. I did not see it necessary to file a police report and waste law enforcement 's time when the error is theirs. To date, they continue to send me statements and are reporting negative remarks to my credit report when they should not be doing so considering the check payment they received dated XX/XX/XXXX & the later card payment made via phone.
Consumer complaint received 2024-11-08
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. (CO)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Date : XX/XX/XXXX 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  Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Original Creditor : XXXX XXXXT XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

I woke up to a negative balance of - {$32.00} in my account with no transaction history and when I contacted KeyBank to ask where that money had gone they said they didnt know or it was from a late fee from the previous day that I already paid. And that transaction I have record of but not the mysterious {$32.00} balance that I had to pay.
Consumer complaint received 2024-08-30
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. (VA)

Disclosure of my information in a negative way, referencing 15 U.S.C. ( 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 XXXXXXXX Subject : Unauthorized Disclosure of Information Dear, Credit Karma I am writing to formally address an issue regarding the unauthorized disclosure of my personal information in a negative manner. According to 15 U.S.C. 1681 et seq. ( the Fair Credit Reporting Act ), I did not give your company permission to disclose my information in a way that adversely affects my credit report. I'm requesting you to remove the negative comment information from my XXXX XXXX XXXX XXXX Paid less than the full balance. That information is inaccurate, and it's a violation of the FCRA. 

I request that you provide me with the details surrounding the reporting of this negative information, including any documentation that shows my consent to report such details. If you are unable to provide evidence of my authorization, I ask that you promptly remove this negative information from my records. 

Please treat this matter with urgency and confirm in writing/email the steps taken to resolve this issue. I appreciate your immediate attention to this serious concern. 

Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

On my XXXX  report when applying for car insurance it has a history of an at fault accident when I was not the at fault party. I was the victim of a rear end hit and run. I called the police to the scene where they documented the issue. I noted the license plate number of the at fault party and provided the information to the police and my insurance company. This individual never responded to their inquiries. The accident being listed as my fault rather than a non-fault accident impacts the rates that I qualify for on vehicle insurance. It needs to be corrected and I have thus far had no luck in doing so.
Consumer complaint received 2019-01-30
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. (NV)

Recently, I've grown an interest in monitoring my credit. I and my family are ready to purchase a home. As I've gone through credit report, I've noticed a few unauthorized inquiries and an account that does not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my credit worthiness.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/2018 I opened a Citibank Account Package online. The terms for new account bonus were " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : -Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
-Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. '' I fulfilled all the conditions above and left the funds in the checking and savings accounts for a couple months. However, until now I still have not received the {$400.00} bonus. Furthermore, on XX/XX/2018 I also contacted Customer Service via chat and submitted a dispute about this issue but also have not heard anything since then. 

Please look into this request and issue the {$400.00} bonus as promised. Thanks.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (FL)

Today, XX/XX/19, a XXXX XXXX rip off scam company called me about a loan request I had made that they found online. They told me I was approved for $ XXXX {$10000.00} and I said I only needed the minimum amount of {$2000.00} which they then told me would be a fixed {$180.00} taken out of my account every month. I trusted that this was who they said they were and didnt realize until later that XXXX  XXXX doesnt actually give loans but sets you up with a lender instead. I gave these people my personal information and bank information but told them I wanted to opt out of the whole program. I told them that over the phone and through an email. I have both emails they sent me. I canceled my debit card since they asked for that information too and am not sure if I need to cancel my bank account. I am scared since my paycheck gets deposited twice a month and my taxes are getting deposited soon as well. I have the phone number they called me from as well : # XXXX Attached is the loan agreement they sent me and their emails with my replies.