davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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: EQUIFAX, INC. (AL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/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 ) XX/XX/XXXX
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NJ)

This is in connection with the resolution of my previous complaint XXXX dated XX/XX/2022 The earlier complaint was with regards to several months of delay in finally completing the end of lease purchase. The company sent me a mail asking me the compensation expected for the inordinate delay. I had mailed them the expected compensation through their secured mail as well as a normal email to XXXX XXXX who was coordinating with me on this case. After a couple of reminders and follow up, I am yet to hear from them nor have they sent me the compensation. 

I would like Mercedez benz compensate me as I had requested.
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (GA)

This company, Lockhart , Morris & Montgomery contacted me sometime in XX/XX/2022, claiming that I owed them {$7800.00}. On XX/XX/2022, I requested a copy of any documents, bearing my original signature, showing that I have ( or ever had ) some contractual obligation to pay the alleged amount. When they could not provide such competent validation of the debt, I again wrote them on XX/XX/2022 requesting to have the debt deleted from my credit report. When I noticed that they did not respond to my demand, I sent them another letter on XX/XX/2022 asking them to remove the item from my credit report. They have refused to do so. Hence, I am filing this complaint.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

I can no longer check my credit report with Equifax online, I receive the following error : " Please give us a call and give this code to the Agent : XXXX '', due to this issue lenders and companies are also unable to pull my credit report. I am in need to get this resolved as soon as possible. I have sent the letter with a copy of my social security card and drivers license to Equifax as requested.
Consumer complaint received 2022-11-28
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. (TX)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-28
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. (NC)

My name is 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.
Consumer complaint received 2022-11-28
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. (TX)

My name 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 2022-11-28
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. (GA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Submitted the following : XX/XX/2021 Letter to TransUnion updating personal information and removing names I am not associated with. Transunion is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Transunion and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to TransUnion to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, Transunion and XXXX to validate information on the report. ( XXXX ) No response as of today.
Consumer complaint received 2022-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Collections Enterprise, Inc. (WV)

After reviewing my credit history and seeing this collection on my credit report, I had received no notice of it. The company has not contacted me. I have never received a letter informing me of the balance, nor that it was sent to a debt collector. I had no knowledge this bill existed.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma (CA)

Back in XXXX on or around the XXXX I recieved an email stating with my credit score of XXXX I pre-qualified for auto loan. So I applied for a personal loan in the amount of {$35000.00} and was denied. From that day on I have received multiple emails telling me I'm pre approved and that I can get a loan of up to {$45000.00} and each time I log in and send my request in denied .to this day I'm receiving pre-qualified pre-approved emails. 
This has reduced my credit score down to XXXX that's XXXX points .I 'll never be able to rent a roof over my head ..this has XXXX me to the point that I can not sleep .I 've XXXX XXXX, I've never experienced XXXX until this. My social life stopped because my XXXX XXXX XXXX and I'm sick with XXXX XXXX. I've thought of therapy and counseling. I can't believe they are aloud to blatantly say I have money come access it and say no way you don't have a chance at any. I can't even turn on my laptop I'll see an add and I start to XXXX  so I just go to the other room and close door shut light.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CT)

The XXXX XXXX Kraken which goes under the legal name Payward , Inc suspended access to my account on XX/XX/2022 citing a " Critical Security Incident '' that needed my verification. I worked with their customer service and followed the required steps to get my account unlocked after about a week. However once I was able to gain access to my account, the funds remain to be frozen and I can not transfer the funds out of the account. Despite multiple attempts to contact the company as well as being in direct communication with XXXX XXXX ( XXXX ), Payward 's Senior Counsel, the company still refuses to acknowledge why they are holding my funds, when they plan to release them or any other information. At some point Kraken mentioned that they are investigating my account to see if I violated their terms of service. As per their terms of service the funds are owned by me and can be withdrawn by me at any time with notice. I would be more than happy to close my account and withdraw my funds as per their terms of service. Kraken is withholding the following amounts : a. XXXX United States Dollars ( USD ) b. XXXX Bitcoin ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX Ethereum  ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX  ) i. XXXX EthereumPoW ( XXXX  ) j. XXXX XXXX ( XXXX  )
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (MD)

I am writing to you to present unfair practices against the company/products " SELF '' that is offered in the market with the intention to improve the credit scores of their users but ending accumulating fees when clients try to pay off early their balances. Please read my letter at the bottom and their unfair response. 


MY ORIGINAL EMAIL Good evening, In an intent to do the right thing, I was trying to pay off early my balance pending with SELF. In that way, I scheduled a payment a few days back for {$48.00} and then a second payment of {$45.00}. I received yesterday a note that both payments didn't come through and I was charged two {$15.00} fees for each unsuccessful intent. 
Immediately, yesterday trying to correct the situation, I scheduled a third payment of {$93.00} ( {$48.00} + {$45.00} ) ; and today I received a new notice that this payment also was rejected and a new {$15.00} fee was charged!!!!! 
Even though the checking account was submitted as a payment option months ago and consistently approved, now almost to the end of my loan review, you let me know that the account rejected my scheduled payments (? ) I just changed the payment method and set up my debit card information and authorize it to charge me the final balance of {$93.00}, and is my hope that we do not have any problem this time. 
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during all these previous months, I was recommending your Self products to my clients without requesting any benefit for me. 
Finally, I request to proceed to make a fair review of my case and proceed to cancel any unfair fee charged to my account ( total of {$45.00} ) because all the time my intention was to proceed in good faith, paying my debts before it's the due date, and using the approved account confirmed by you months ago. 
Sincerely, XXXX XXXX. 
ID XXXX RESPONSE FROM SELF Case XXXX - XXXX XXXX Account - Payments XXXX XXXX Hi, Thanks for reaching out, and we're sorry to hear you encountered this issue. It appears that the payments failed due to a failure to locate the bank account. This typically means that the account and/or routing number were entered incorrectly when the payment method was originally added. There have been no previous successful payments from that account, only from a debit card ending in XXXX. 
Unfortunately, it appears that the recent payment covered the fees, and we are unable to waive any paid fees. If this happens in the future, please reach out before the fees are paid to request we waive the fee ( s ) as a courtesy. We apologize for our limitations. 
Please reach out if you have any other questions. 
Best,
Consumer complaint received 2022-11-28
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. (FL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX Balance Owed : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX  XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX Balance Owed : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXXBalance Owed : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I have received a few deposits that were pretty large in my account. Next thing I know they freeze my account saying they need to prove my identity and proof of address an exclamation of where my phones came from which I did so I then called the company and they there that they received all my documentation and that I should have it resolved in two days I cant get anyone to answer any questions now my account still frozen and I had more money that was going to be deposited. Thats lost in limbo now.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Upgrade, Inc. (IA)

Upgrade, Inc. began sending me emails on Mon, XX/XX/2022, at XXXX XXXX  CT indicating that I had opened up a High Yield Savings Account, which I did not do. Since then, I have received at least XXXX other emails from Upgrade, including information to verify my email, to complete the setup of a Rewards Checking Account, and to rate the quality of customer service received. I contacted Upgrade support at approximately XXXX XXXX  CT on XX/XX/XXXX, to request that they disassociate my email from any account that they have since I have no relationship with them and do not want my identity to be compromised. Although I can prove my email address is owned by me and is not associated with Upgrade, they requested that I prove my identity by providing the last four of my social and my date of birth. Given that I have no relationship with them and felt uncomfortable providing sensitive information over the phone to a bank that I have never heard of, I asked if there was any other way for them to process the claim to remove my email information from whatever account was opened up using my email. 

I provided Upgrade with my name, phone number, and email address, but Upgrade said that was not sufficient to investigate the possible theft of my identity. Since I was uncomfortable providing them with the last four digits of my SSN and my date of birth, Upgrade stated they could not investigate my claim further.
Consumer complaint received 2022-11-28
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. (GA)

After reviewing my credit report the following inquires does not belong to me or wasn't authorized by me. 
XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2022-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Citibank sent me a fraud alert message on XX/XX/XXXX and my account was closed and a new card was issued. After the XXXX several charges were also made from XXXX eats and none of these charges were authorized.The following charges were unauthorized XXXX XXXX both on XX/XX/XXXX XXXX both on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX I never use the debit card I filed a dispute and they denied it
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)

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Capital XXXX auto XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Ally Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, All Financial XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, TD auto financial XX/XX/XXXX