davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, XXXX : {$7000.00}, company is reporting inaccurate information to my credit report. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) 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.

15 U.S.C 1666 ( b ) states billing error.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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 antidotes 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 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have opened a checking account with Captial One in XX/XX/2019. I have funded the account with several {$10000.00}. In addition, my pay checks go into this account ( about {$10000.00} per month ).  Despite these funds, Capital One does not allow me to use my account to transfer money to external accounts, i.e. accounts that are not registered under my name. I have called Capital One and they told me this is because my account " has not stabilized '' yet. They were unable to tell me what " stabilized '' exactly means ( given that I have sufficient funds on my account ) and when I will be able to make payments to external accounts. 

I am of the view that I should be able to use my bank account to transfer money - I am talking about money that is present on my bank account, i.e. not any money that I don't own - to external bank accounts. What else is the purpose of having an online bank account?
Consumer complaint received 2023-02-24
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: SYNCHRONY FINANCIAL (PA)

I noticed an authorized inquiry on my credit report I dod not authorize this company to run my credit this is against the law. I called in and was told it would be removed. they added this to my credit report on XX/XX/2XXXX XXXX
Consumer complaint received 2022-10-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (MS)

I contacted AD ASTRA RECOVERY SERV ( original creditor : XXXX XXXX XXXXXXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Title Clearing, Inc. (FL)

GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. 

DITECH FINANCIAL LLCXXXX GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. 

I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH US BANKS FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 : Also, states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2023-02-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXX  XXXX Balance Owed : {$52000.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n 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, Account name : # XXXX, Account name : # 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 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 2023-02-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Complaint against XXXX I purchased a {$200.00} XXXX visa gift card for my granddaughter XX/XX/22. The card was taken off of the card XXXX  at XXXXXXXX XXXX XXXX and we have been fighting ever since to activate or purchaser with this card. Another problem is that there is no way to communicate with the company except by a phone number which then directs you to send a fax which is never responded to. There is no location address on the site, help line or customer service once a card is purchased. The website is pretty much blank except for this phone number where an operator gives you the fax number. Once you fax you never hear back. That is why my granddaughter reached out to me, but then I never heard back either. 
Company Website : XXXX The company is XXXX, No location address available, and their Headquarters FSV Payment Systems , Inc . 

Step by step My granddaughter was never able to create an account. 
Every time she tried, on the site, it told her something went wrong, and she was never able to proceed and enter the card information to access the money prepaid. 
When she called the help number she was told to provide information, to no avail. 
I faxed a copy of the receipt, both sides of the purchased card and its cover nothing. 
I have enclosed reviews from others in the public. 
I feel this is happening because they can get away with it and they know it. 
This seems to be a policy because the card bank and its headquarters are complicit. From the many online reviews, it seems untold numbers have suffered the same fate with no resolutions. I wrote to them informing them as to those I would be sending this information to, but they could not care less, because they feel nothing is going to happen. As I write this, I still have not heard a word from them, they continue unabated. I wonder if a class action suit could put a stop to the scam. The public is in essence being tricked into sending this company free money. 
I went online to check the reviews of this company and found fraud and abuse in these reviews. This company just keeps the money, and that's it! You are never able to use the card or get a refund.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has recently come to my attention, someone has stolen my identity and has used it to open a line of credit with a company called XXXX XXXX XXXX I don't know who this person in nor do I know how they got access to my personal report. I have tried to dispute this account multiple times but the company keeps verifying this account belongs to me which it doesn't. THIS ACCOUNT WAS OPENED DUE TO A FRAUDULENT APPLICATION UNDER MY NAME. The below referenced account is the fraudulently opened one. 
XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2022.
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

There has been an ongoing issue with LoanMart ( on behalf of XXXX XXXXXXXX XXXX ). Initially, they charged an interest rate of 98.64 % on an approximately {$11000.00} loan. Then when I struggled with payments, they finally reduced the interest rate to 33.02 %, which still has payments of {$650.00}. I also found out that my vehicle loan is NOT listed on my credit reports because LoanMart is not reporting my loan to the credit bureaus, and I can not even trade my vehicle in for another car due to this. The dealership I'm working with said that my vehicle is a ghost because of what LoanMart has done. Also, I addressed the interest rate with LoanMart because I am a resident of Florida, and the loan was issued to me as a Florida resident. LoanMart said they are not bound by Florida law, which makes the 33.02 % interest illegal. Also, I read that title loans in Florida can not go over 18 % if they are over {$3000.00}. I need help in getting a resolution with this company. I believe my loan agreement is illegal and invalid. Again, LoanMart said because XXXX XXXX is a Utah-chartered bank, they are not bound by Florida law XXXX which I disagree with because I'm a Florida resident XXXX They issued a loan to me in the state of Florida.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hi, I have two negative account on my credit report stating a balances owed. Both accounts are paid at XXXX balance, but all three credit bureaus still have the account as negative with balance. 

This is hurt my quality of life to do business transactions and personal financial accounts for me and my family. I have written to the credit bureaus and still no change. 

XXXX XXXX accounts XXXX. XXXX XXXX. XXXX XXXX  XXXX, Negative Account, Date XXXX, Balance {$160.00} Status, Account charged off. {$3900.00} written off. Balance as of XXXX {$160.00}, {$160.00} past due as of XX/XX/2023. 

XXXX XXXX, Negative Account, Date XXXX, Balance {$2700.00} Status, Account charged off. {$2700.00} written off. Balance as of XXXX {$2700.00} {$2700.00} past due as of XX/XX/2023.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4  business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my rederally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Exeter Finance 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 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears. 
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 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Contrary to previous policy, CapitalOne no longer provides their customer service agents the ability to refund excessive annual fees and related charges for cards that are paid off and not used for an extended period of time. 

I have had my CapitalOne card ending in XXXX for many years, always maintained in good standing. I have not used the card for many months, therefore I am not enjoying any " what's in your wallet? '' cash back benefits ; so, an excessive annual fee ( {$59.00} ) is inappropriate.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, and XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts that are misleading in my file. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX XXXX Balance : {$49000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} This was already included in my prior Complaint, and I'm including it again.