davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

I have XXXX letters stating that XXXX separate accounts are overdrafted from BMO. BANK. I have never had an account with this bank. One says overdraft XXXX account ending in XXXX. The other account is overdrafted XXXX ending in XXXX. This is fraud. These are not my accounts.
Consumer complaint received 2022-11-27
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. (FL)

I have been disputing inquiries that are on my report. I have asked for proof because I didn't authorize all those accounts. I am not nor have been trying to get a car. I have a car, so I don't need to look for a loan. There are also inquiries that are not car related that DO NOT belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( Transunion, XXXX, XXXXXXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( Transunion, XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( TRANSUNION ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( TransUnion and XXXXXXXX XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( Transunion, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requestinga copy of my Drivers History report sent to me via mail.
Consumer complaint received 2023-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I am writing to express my deep concern regarding the conduct of XXXXXXXX XXXX XXXX, particularly their website XXXX. I recently encountered a problem where XXXXXXXX XXXX XXXX misreported my payment delinquency despite my best efforts to make a payment before the due date in XX/XX/2022. Unfortunately, their system kept generating error messages, which prevented me from making the payment. 

As a result, I contacted their customer service team on multiple occasions, but to my dismay, I was unable to reach anyone. After several attempts, I was finally able to get through to a customer specialist who assured me that the late payment would not be reported, acknowledging that it was their fault. However, to my surprise, XXXXXXXX XXXX XXXX  still reported the payment delinquency on my credit report, without even informing me, and charged me significant late fees. This has had a devastating impact on my credit score. 

Despite my repeated efforts to contact them and resolve the matter, XXXX XXXX XXXX has been unresponsive and unhelpful. I am at a loss as to what to do, and I fear that my credit score will continue to be negatively impacted if this issue is not resolved quickly. 

I urge you to take this matter seriously and investigate XXXX XXXX XXXX XXXX behavior. I believe they have acted in bad faith and that their conduct has been unfair and deceptive. I would appreciate your assistance in resolving this matter and restoring my credit score to its rightful standing.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EarnUp Inc. (TX)

For several years, I work with a third party company called Earnuup, that makes payments on my behalf to my mortgage company. My mortgage was sold to XXXX and the third party sent payment to the previous servicer instead of sending to the new servicer XXXX. The third party payment company Earnup, has confirmed that they did have the funds in reserve to send to XXXX, but for some reason because of the switch to new servicer XXXX, the first payment wasn't sent. Due to their negligence, I now have a 30 day late on my payment history, and it is causing me great financial harm and emotional distress. I recently applied for a home improvement loan, and was denied due to this frivolous late payment due to Earnup gross negligence.
Consumer complaint received 2023-03-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia finance America account # XXXX opened XX/XX/2021 fraudulent account be removed eight inquiries that was not authorized a fraudulent need to be removed all the fraudulents account that's close fraudulent but still on the account showing clothes but still on the account needs to be removed of the account address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these addresses are fraudulent needs to be removed off my report UPDATED CORRECT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANKS
Consumer complaint received 2023-03-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : Credit Coll Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KY)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account XXXX Date Open : XX/XX/XXXX Balance : {$280.00}
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

My wife and I took out a home improvement loan for a pool the pool funds were sent to US Bank in XXXX of 2022. We were delayed due to construction of new suer installed around our property. when that construction ended I started making arrangements for the pool to be installed. I found out that the co borrower my wife took the funds from the bank lied to the pool company the financial institution and to me and misappropriated the funds for self gain and the US Bank refused to give any information as to where the funds went how they were used and who took them. I asked them for a complete investigation but US Bank refused to provide any information about the funds and told me that there was no fraud at there bank. I am filing this complaint because as a consumer I shave a right to know what happened to the funds I signed up for a pool the US Bank refused to give any details of the funds who withdrew the funds and where the funds are. As the primary person who is on the loan for repayment I ask for a complete investigation of those XXXX dollars deposited at US Bsnk in XXXX of 2022 this is bank fraud you can not borrow money from the lender for a pool on a home improvement loan and use the funds for self gain benefit defrauding the bank the pool company and the primary borrower she is in breach of the contract and may have committed forgery too thank you XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (KS)

Direct express has locked my card for no reason and they won't unlock my card they are keeping my SSI benefits I need to pay my bills. They won't tell me why they locked my card. They asked me to email them my kansas i.d I did that now they are asking me to send a picture of my social security card and my birth certificate. This is ridiculous. I want my money
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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)

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion and XXXX, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which declares the Congress 's policy that each financial institution has a continuous obligation to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. 

The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution by definition under this title. According to 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, such as in accordance with the written instructions of the respective consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not have my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report without authorization, except for records of convictions of crimes that predate the report by more than seven years. Reporting this account as an adverse item without my permission is a violation of the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not upholding reasonable procedures. 

Furthermore, as stated in 12 CFR 1016.7, a consumer has the right to opt out at any time. Accordingly, I am opting out of your reporting services.
Consumer complaint received 2024-01-10
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. (PA)

at the date XX/XX/XXXX I send the letter to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA, XXXX, in reference to Dispute and Verification of Collection/Charge-off Account on My Consumer File. 
formally dispute and request verification for a collection or charge-off account Account Number : XXXX, Creditor Name : XXXX, Account Number : XXXX, Creditor Name : XXXX XXXXXXXX, Account Number : XXXX, Creditor Name : XXXX, that is currently being reported on my credit report ( Reference Number : XXXX ). I have reason to believe this account does not belong to me or has been inaccurately reported. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the right to accuracy and verification of debts under 15 U.S.C. 1681s-2 ( a ), I kindly demand that you provide me with the original contract containing my wet ink signature which will validate and verify the debt allegedly belongs to me. 
Specifically, in accordance with these regulations, I request the following : The original contract or agreement with my wet ink signature. 
A detailed account history, including any and all payments made. 
The license numbers and state registrations of the collection agency to ensure its legality to collect a debt in my state. 
Documentation that verifies the amount you are reporting.If you can not provide these documents or if the alleged debt can not be verified, then reporting it would be a direct violation of the FCRA. Hence, in such a scenario, you would be obligated to promptly delete this account from my credit report. 

its more then 30 days and they don't delete all the accounts from my credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX