davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (AL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 1.XXXX  XXXX XXXX from XX/XX/XXXX 2. XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4..XXXX  XXXX  Credit Bureaus/Mortgage Processing Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 12 XXXX BANK XXXX XXXX Bank - Mortgage Loans Inquiry from XX/XX/XXXX 13.XXXX XXXX XXXX XXXX - Finance Inquiry from XX/XX/XXXX 14. XXXX -Inquiry from XX/XX/XXXX 15. XXXX - Inquiry from XX/XX/XXXX 16. XXXX XXXX - Inquiry from XX/XX/XXXX 17. XXXX - Inquiry from XX/XX/XXXX 18. XXXX - Inquiry from XX/XX/XXXX 19. XXXX XXXX - Inquiry from XX/XX/XXXX 20. XXXX - Inquiry from XX/XX/XXXX 21. XXXX - Inquiry from XX/XX/XXXX 22. XXXX - Inquiry from XX/XX/XXXX 23. XXXX Inquiry from XX/XX/XXXX 24. XXXX - Inquiry from XX/XX/XXXX 25. XXXX XXXX - Inquiry from XX/XX/XXXX 26. XXXX - Inquiry from XX/XX/XXXX 27. XXXX - Inquiry from XX/XX/XXXX 28. XXXX FCU -Inquiry from XX/XX/XXXX 29. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 30. XXXX XXXX  XXXXXXXX XXXX XXXX, Used Inquiry from XX/XX/XXXX 31. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 32..XXXX XXXX XXXX XXXX  XXXX, Used inquiry from XX/XX/XXXX 33.XXXX - Inquiry from XX/XX/XXXX
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GU)

In accordance with FCRA & 650B paragraph ( a ), Equifax , is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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, not later than 4 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Equifax remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Exeter Finance, LLC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I am writing to formally demand the immediate release of {$26000.00} that PayPal is fraudulently withholding from my company, XXXX XXXX, associated with the email XXXX. These funds are directly tied to services that have been fully rendered to customers, and there is absolutely no justification for the continued withholding of this substantial amount. 

PayPals refusal to release these funds is causing severe harm to our business and the livelihood of our employees, who rely on these payments to sustain themselves. This withholding is not only damaging the financial health of our company but is also an unconscionable breach of trust, as PayPal appears to be exploiting our funds for its own gain. 

I am confident that PayPal has accumulated interest on the withheld funds and has likely loaned or used these funds for its own benefit while unlawfully preventing access to what rightfully belongs to XXXX XXXX. These actions are unacceptable, unethical, and potentially illegal. The delay in releasing our funds is fraudulent and clearly demonstrates bad faith on XXXX part. 

I demand that the full amount of {$26000.00} be released immediately. Failure to do so will leave us with no choice but to pursue all available legal remedies to recover the funds and hold PayPal accountable for the financial harm and damages caused.
Consumer complaint received 2024-10-10
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2024-09-20
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: SANTANDER HOLDINGS USA, INC. (NJ)

This account CHRYSLERCAP Account number XXXX is not showing on my XXXX and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those XXXX bureaus and it should be reporting on them as " Closed and Paid and Full ''
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (CA)

I had a dental procedure and needed some dentures. when my insurance wouldn't pay for it, the dental office talked me into getting a loan for {$8000.00} from Lending Point. I was told that the payments to pay the loan back would be around XXXX $ a month. As i was still in the office and felt compelled to get the loan. Not i've paid back at least XXXX $ in monthly payments and sending them Cashier 's check payments. with notes asking that my larger payments be put towards the principal, since i then learned that they were charging me a huge interest with the monthly payments. i believe that these larger sums that were over the {$170.00} a month payments, should have put towards my principal. i do not feel that they had done that seeing as how they seem to wait a number of months before they start calling me again for payments, indicating to me that they are taking the {$400.00} or {$1000.00} cashier 's checks ive sent and just taking the monthly payments of interest Out of Those payments and not taking anything off of my principal. so ive contacted them and asked for a printout of my payments but so far, have received no response
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (MD)

I believe I am a victim of fraud. In may I received an email from a law firm stating I owed {$5700.00} .if I didnt make a payment I would have a warrant out for my arrest and XXXX charges against me. I did take out the loan however it was 8 years ago. I started making payments of {$550.00} bi weekly during this time I started receiving emails from multiple different lawyers for the same loan company with different. I havent made a payment since XX/XX/year>. After a bit of research I found out that after a certain time it goes to my credit report and the company can not try to collect nor can they press criminal charges because its a civil matter. Ive tried to reach out to the debtor and they are not answering the phone Ive paid XXXX a total of XXXX The law firms emailing me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Annual percentage XXXX finance charge XXXX. Credit acceptance told me i was financing XXXX i paid XXXX down. I am on a fixed income and the vehicle should be paid for but now they snuck in a XXXX on a used vehicle. I was unaware and now they want to take my vehicle i have paid over XXXX on! This is wrong and they need to be responsible for screwing people on XXXX over!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Upon checking my credit report, I have discovered fraudulent account that is actively being reported on my credit repport, the fraudulent account is XXXX  XXXX with the account number XXXX. Please remove it from my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (IL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Consumer complaint received 2024-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

XXXX XXXX XXXX a debt collection company turned in a false report without verifying that I was the person who owed the debt. No notification through the mail or phone call to try and figure out if I was the right person that owed the debt The only things they had were my name and a birthday. 
I called the original company that the debt was owed and satisfied them within 15 minutes that I was not the person who owed the debt.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

im getting collection calls for a XXXX XXXX from XXXX XXXX XXXX, when I advised them I have no contact with him and to remove my cell number she said no and hung up, I called them 3 times and she picked up and hung up. I then received 16 more calls from that number leaving automatic messages. XXXX picked up the phone, and said she will not remove my number. and called back 4 additional times the auto messages states to call XXXX XXXX XXXX ref # XXXX 3rd attempt, all messages are saying 3 rd attempt
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-20
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: Early Warning Services, LLC (GA)

XX/XX/year> Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Account Number : XXXX Dear Early Warning Services Dispute Department, I am writing to formally dispute the information provided by XXXX  XXXX XXXX and currently being reported by Early Warning Services under my name. As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information you report is accurate, complete, and verifiable. However, I have received communication from Early Warning indicating that you do not have access to the necessary documentation related to the account from XXXX XXXX. 

FCRA Violations by XXXX XXXX and Early Warning Services FCRA Violations by XXXX  XXXX : FCRA Section 611 mandates that when a consumer disputes the accuracy of information, the consumer reporting agency must investigate the claim, verify the accuracy, and provide the consumer with documentation supporting the accuracy of the information. 
FCRA Section 609 gives consumers the right to request all information contained in their credit file. XXXX XXXX has failed to provide the necessary documentation or verification to support the validity of this account. 

FCRA Violations by Early Warning Services : Early Warnings inability to verify the information on this account also constitutes a violation of the FCRA. Specifically : FCRA Section 607 ( b ) requires consumer reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy in the information they report. By maintaining unverified information on my consumer report, Early Warning has failed to adhere to this standard. 
Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) requires consumer reporting agencies to delete any information that can not be verified after a dispute. Since Early Warning has admitted that it can not verify this XXXX XXXX XXXX account, it is in violation of this section by failing to remove the account. 

Uniform Commercial Code ( UCC ) Violations In addition to the FCRA violations, under UCC Section 9-210, I have the right to request an accounting and copies of any records related to the disputed account. Since neither Early Warning nor XXXX XXXX has provided these records, the account remains unverified and should be removed immediately. 

Requested Action Due to these violations of both the FCRA and UCC, I demand that Early Warning Services immediately remove the XXXX  XXXX XXXX account from my consumer file. I expect a written confirmation of this deletion within the 30 days allowed under FCRA guidelines. 

If Early Warning Services fails to resolve this dispute as required by law, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am fully prepared to take legal action to ensure my rights are protected. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (CT)

I traded a vehicle to XXXX XXXX  XXXX XXXX on XX/XX/year> and to the best of my knowledge it was they paid off the loan to South East Toyota Finance. South East Toyota Finance has put the loan on my credit saying that it was never paid.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXX XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX XXXX XXXX ( {$120.00} ), Account name : XXXX XXXX XXXX XXXX ( {$4600.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$2400.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$5900.00} ) 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 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Made an erroneous transfer of {$10.00} ; XXXX to an account listed in my transfers available. I realized my error and called USAA. They said it was an active USAA account and there would be no problem retrieving the funds. They submitted a dispute. The result of the dispute was that it was a good transfer, they contacted the recipient, but could not recover funds and I would have to contact the recipient. I only have the last 4 digits from the account, so all efforts on my part to identify this account have failed. They did tell me it was established in 2005. They refused to give me any other information about the account and said I would need to take legal action to pursue any additional information.After hours on the phone and multiple false promises of additional action, Ive got no indication of resolution.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AZ)

I opened a Citi Mastercard in XXXX with the agreement that only the prime rate would be charged. 
This has been true up until XXXX sometime when they tacked on discretionary charges making it 18.49 percent instead of the current 8.5 % prime rate. 
I thought that during the Obama administration it was prohibited for CC companies to unilaterally raise interest rates for bogus reasons. 
I want to mention, there was never a late payment in all these years.