davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (GA)

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 XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX and this statement is being composed by me. Per the fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATIONS under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with SELF FINANCIAL/LEAD BA AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2023-11-14
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. (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.

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 2023-11-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

I went to a Truist branch located, XXXX XXXX XXXX, XXXX XXXX, FL to open a business checking account on XX/XX/2023. Account was setting and got access to online banking and receive debit card days later. But XXXX days later my online access was revoked and when I called to costumer services, I was told my account was taken down and canceled because fraudulent activity. Same day I went to the XXXX where I open the account with more IDs to fix the problem about fraud because nobody told me what this was about and the person in charge of the branch because there is no XXXX told me Back up office " close the account and aventually I will receive the refund of my deposit by check. So far, I have not received my check and this phone number XXXX opt XXXX. ( fraud activity ) do not know nothing about any check and they can not have access any longer to that account. And they want me to go again to the branch and request my money back. It's not this funny?
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (IL)

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 2023-11-14
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: EQUIFAX, INC. (LA)

I was trying to buy a house and I realized I had damaged on my credit report. According to the 15 USC 1681 law, I should not have any damage on my credit report it is a defamation to my character. I have all these hard inquiries on my accounts. I also tried to dispute collects on closed accounts that was not up to my knowledge. I have sent in many letters and have not been helped.
Consumer complaint received 2023-11-14
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

I keep getting calls from a XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I do not owe any money. I have asked that the efforts to collect on debt paid until ID fraud occurred be stayed, until after the case XXXX is finished, but I keep getting calls. This is a XXXX debt for XXXX that I paid, and someone added XXXX, XXXX, XXXX, XXXX and now are adding more, without promissory notes. I need help
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

A checking account was opened with an online bank. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXXXXXX. or XXXXXXXX XXXX XXXXXXXX. ; Members FDIC- this is a fraudulent account. Chime will not close the fraudulent account. No ID was used to confirm my identity yet they have an active account.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

Here is my situation. I am XXXX  and I arrived in the US  in XX/XX/XXXX under the program XXXX ( for XXXX ). The last time I was in the US was 11 years ago when I was a student in XXXX. In XXXX I received my Social Security Number for working because I had a XXXX XXXX. 

On the XXXX of XX/XX/XXXX, I tried to open a secured credit card in XXXX  XXXX XXXX but I was refused because of unexpected reasons ( Current or past delinquency, derogatory public record ( s ) ). I was curious about why I received these denying reasons and decided to check my credit report to see if everything was okay with it. 

Unfortunately, my credit reports ( XXXX, XXXX, XXXX ) showed me that somebody stole my personal information and created many credit debts ( more than {$100000.00} ) in different banks using my personal information without my consent. 

For now, it remains to close the last bank account ( in USAA bank ). I already called their fraud department hotline and sent them a letter with copies of my documents, but the bank refuses to take this account with debts of {$22000.00} from my credit report.
Consumer complaint received 2024-11-07
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. (FL)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-11-14
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation how did they verify this account.I want a detailed description of who furnished the account without my permission 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

Nelnet has drawn from the incorrect checking account multiple times now, causing that amount to be overdrawn multiple times. I logged into my account and made sure it is set to draw from the correct checking account, but they keep drawing from the wrong one anyway. I tried to call in, and I was on hold for over two hours before I had to give up and move onto other tasks. I tried to fill out their email form, which took time and sensitive information. After taking the time to fill it all out and give them ample detail regarding the situation, they sent an auto reply to my email saying they are unable to respond because they are too busy. They are wholly unreachable and irresponsible.
Consumer complaint received 2023-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (CA)

The loan was obtained under my maiden name XXXX XXXX XX/XX/23 - We had a used vehicle loan with BMO Harris Bank that had a payoff amount of {$3200.00} which we paid online that day. We received an error message upon submitting the payment, so we called customer service. The individual on customer service confirmed the online payment did not go through and manually processed a payment of {$3200.00} ( different amount due to accumulated interest from 1 day ). After a few business days, both payment described above were deducted from our account ( please see attached bank statement ). 

XX/XX/23 - We called BMO customer service. They confirmed that there was a double payment and that they will send us a check for the refund for {$3200.00}. We were told to call back in 4 weeks if we had not received the check. We confirmed our address. 

XX/XX/23 - We called BMO customer service three times. The first time, the customer service rep was adamant there was no overpayment. After asking him to escalate to manager, he hung up on us. Second time, the customer service rep said they do not handle overpayments and were instructed to call the dealership where I purchased the car. The third time, the customer rep told me to call the DMV where the car was registered. 

XX/XX/23 - After confirming that both the DMV and car dealership were the incorrect avenue to obtain the overpayment, we called BMO back and were transferred to the resolution department. A resolution specialist, XXXX XXXX, confirmed once again that there was a double payment. She submitted a case for us ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). She also asked us to fax our bank statement showing the double payment ( Fax XXXX XXXXXXXX XXXX XXXX ). She told us to follow up in 4 weeks if we hadn't received a check in the mail. She confirmed our address again. 

XX/XX/23 - We still had not received a check in the mail so we called BMO again. We were transferred to the loan department and spoke to XXXX. She confirmed with the account team that a check was sent XX/XX/23 but to wait one more week to call back as they want to allow for 30 days before putting a " stop payment '' and resend a new check. 

XX/XX/23 - We called BMO and were transferred to the loan department where the individual was adamant that there was no double payment.
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (IL)

This situation happened 1 month ago and still can't be solved. 
Here is what happened. 

I had my money on Robinhood ( {$4900.00} ) and for unknown reasons I got my account suspended.A representative of Robinhood asked me to provide my State ID and XXXX bank statements in PDF FORMAT related to the debit cards I usually use to add funds to my Account. 

I kindly provided all the requested information except one Bank Statement. I ended up a relationship withone of the banks and wasn't able to provide a monthly statement in PDF Format I was able to get onlya paper variant of this document at the bank branch, because I am no longer a customerof this bank and it's prohibited for them to send this type of file through Internet. After several declines and about XXXX attempts to explain to Robinhood Support that I couldn't provide it, I finally got lucky whenmet the Manager of the Bank and talked to him and he kindly provided me with this PDF Statement. 

With happiness and full of confidence I provided this document to Robinhood expecting that the problem gon na be solved. But, unfortunatelyin 4-6 days, I got anotice that my account was closed permanently. 

I reached out to Support to know if I could get my money back and they told me NO, they told me that I couldn't prove the legitimacy of my funds ( they said after I provided everything they asked me for ). 

In final, I have about {$5000.00} frozen in my account and I can't do anything with it. They literally took my money away and don't want to cooperate further. 

Please help me I will attach below Bank Statement after I got my account closed and their final letter when I asked them to explain to me why my account is closed
Consumer complaint received 2023-11-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Affective date is XX/XX/2023. Its a rental company in XXXX called XXXX XXXX XXXX XXXX and theyre trying to collect {$4400.00} for rent in XXXX  XXXX I never lived in XXXX  always live in XXXX  and the company said, the person name XXXX XXXX is using my name and information. The collection agency is fair collections, and outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX their phone number XXXX reference number XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (NC)

Amsher & XXXX  collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of domestic XXXX ( including financial abuse ) I got a XXXX  XXXX  against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the t-mobile store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that t-mobile claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my abuser on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.