davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-18
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: NCB Management Services Inc. (TN)

XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.
Consumer complaint received 2022-09-18
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a 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.
Consumer complaint received 2022-09-18
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. (GA)

I disputed the XXXX account with Transunion around XXXX XXXX XX/XX/XXXX. By XX/XX/XXXX they VERIFIED it as ACCURATE and continues to report this item. However, this account is and has been reporting this incorrect and inaccurate information for the past 3yrs. This account is being reporting as 90 days LATE on XX/XX/XXXX, 120 days LATE on XX/XX/XXXX then additional 120 DAYS LATE on XX/XX/XXXX. THIS IS IMPOSSIBLE and INACCURATE! They must not know that XX/XX/XXXX to XX/XX/XXXX is only 30 days not 120 days! The last date of activity is inaccurate as well. These inaccuracies has been affecting my credit score negatively for the past 3 years and had me getting denied credit! This is devastating and I have requested the deletion of the account on multiple occasions! Furthermore they do not do proper investigations when requested because they lied to me when they said it was VERIFIED AND ACURRATE! And when compared to the XXXX and Transunion reports i found several discrepancies such as High credit limit, last activity date and account type. I have disputed this account several times over the past few years and Transunion kept verifying it as accurate and kept it on my report. They are in Violation of my consumer rights according to the FDCPA and FCRA. Please DELETE this Account as requested previously. I want this item removed PERMATELY.
Consumer complaint received 2022-09-18
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. (OH)

These credit inquiries on my Credit Report affecting XXXX XXXX XXXX XXXX XXXX Bank XX/XX/2022 XXXX Bank XXXX XX/XX/2022
Consumer complaint received 2022-10-10
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: U.S. BANCORP (CA)

I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day ( XX/XX/2022 ) which I did not apply for and there was one that was created a few days before ( XX/XX/2022 ). I did not apply for any bank or credit cards.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (VA)

Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX  which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

This rude uncooperative arrogant representatives that represent this company engage in unfair and deceptive practices. They offer extensions due to a natural disaster, then in the next breath say " oh your not qualified '' This is a violation of UDAAP .... 
Calls were placed on XX/XX/28 and both customer service n collection reps like to play games and profusely refused to transfer to a superior.
Consumer complaint received 2022-09-29
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. (CA)

I am a natural person, am a living human being, have rights under 15 USC 1681. 

Equifax, XXXX, XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

BANKRUPTCY
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (SD)

I took this loan out trying to establish credit and was told as long as I make the payments every pay period, I would not be charged interest. However, after paying the original balance twice over, the amount of the loan was still higher than the principle balance. I spoke on the phone with the representative prior to accepting the loan and was told I would only be charged the interest if I missed a payment. I have made every payment and my loan is still higher than the original balance. This is in my opinion a predatory loan and possibly the the downfall of what we consider good practice ethics.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

I have been having continued issue with Cashapp since XX/XX/2022. First, on the date of XX/XX/XXXX or XXXX money was missing from my account. There was absolutely no explanation or purchase which resulted in approximately $ XXXX {$89.00} dollars missing. For XXXX weeks I fought this with them and they never helped and I never saw my money again. I provided them with info, screenshots, with everything to prove what was happening and they did nothing. Second on XXXX XXXX I had an unauthorized charge from XXXX on my cashapp card for the amount of {$16.00}. Ive been disputing this for 2 weeks and I get a denial email everyday. I dont know what information they use to come to the conclusion that it was not a fraudulent charge. Then I got a charge from XXXX for {$14.00}. Again no purchase no subscription. Ive contacted the merchants and XXXX cant even find a proof of purchase of any order because nothing was bought. XXXX also expressed concerns about why cashapp is constantly allowing their clients to get robbed. I know that its small amounts but its not about the money. I mean right now the amounts are small but how far will cashapp take this. Theyre not protecting their clients and they definitely dont give us the support we need.
Consumer complaint received 2022-09-29
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. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (NV)

The following account is fraudulent, I'm a victim of identity theft, my information has been found on the dark web, and XXXX data breach. The law prohibits false information for being reported. According to 15 USC 16 my rights to privacy act, defamation of character. I demand immediate removal failure to do so will result in {$1000.00} per violation and a lawsuit. This is a violation of my consumer protection rights and account is fraud remove immediately,
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have put claims in with all credit bureaus. 
A few have fixed some false information. Other do not have proof or legal right to report the way it is being reported. These companies are not a real credit bureaus. 
They all need to be held accountable for reporting my scores incorrectly. They will not give me the information or transmissions to the companys they are reporting for. By law they have to or fix my credit to its proper and higher score. Lastly, they all are showing different scores and different reporting of information which is also not lawful. I have submitted multiple claims to have resolved and nothing is being done.
Consumer complaint received 2022-09-29
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. (MS)

I have fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-10
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX XXXX, XXXX CARD XXXX, XXXX  XXXX XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX, 2022, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA HAF and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA HAF program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA HAF program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.
Consumer complaint received 2022-09-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I had to put a down payment of {$9700.00} XXXX asked about insurance I was told I could not get it. As a living breathing human in the United States Of America I have rights and there are laws and codes put into to make sure my amendment rights arent violated. One is the pursuit of happiness. I ask for a copy of my contract with Capital one Auto Finance the contract I received has that the sell XXXX XXXX of XXXX, XXXX assigned its interest in the contract to CAPITAL ONE AUTO FINANCE. Everything was not disclosed to me or my co-buyer. I owe XXXX Im charged {$15.00} in late fees the day before and on the last day of my 10 day grace period XXXX XXXX {$560.00} was paid to the internet when my internet rate is 17.99 % XXXX was paid to the principal I missed XXXX XXXX {$580.00} was paid on interest XXXX {$130.00} was paid on interest XXXX {$440.00} was paid on principal. They never emailed me or verbally contacted my co-buyer or myself to let us no we have the right to rescind on my contract. Was told no law provides a cool off of cancellation period for this sale. That was a lie. The only signatures on my contract is me my co-buyer an XXXX XXXX of XXXX, XXXX 15USC 1605,1605 ( B ) 15USC 1692F ( 6 ), C ( c ), H 15USC1681a ( 2 ) ( B ), B ( 2 ) s2 ( a ) ( 1 ) ( a ) 5USC522a This fraud and has damaged my credit and put me in bad place financially.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

Ive called Equifax more then once to have them remove the birth date on my credit report thats not mines Ive filed a dispute sent in proof and still nothing I upload my ID online for the dispute they investigated and still didnt update it. this is causing me to be denied credit and its unfair my birth day is XX/XX/XXXX not XX/XX/XXXX this is not cool they get to pick and chose what stays on my credit file even if its not my correct information
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OK)

I got an email at XXXX in the morning saying my personal checking account with Wells Fargo was activated. At XXXX I get an email stating my personal information was updated. 

I did not create this account nor would I EVER bank with Wella Fargo. The next day I reported it to Wells fargo where the fraud personnel stated we have seen a lot of this fraudulent accounts come through lately. Ok so what are they doing to stop this? Why would they allow someone to use my social security number to set up a checking account just to change my personal information in 2 minutes! Not only that, normal banks make you bring in a form of ID to a branch to verify identity. 

I was in the process of Purchasing a new vehicle when I had to call all three credit bureaus to put a freeze on my credit so that no new accounts could be opened in my name. 

I believe that Wells Fargo is either creating these accounts or not implementing the appropriate security protocols to circumvent these fraudulent accounts.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX, XXXX, I reached out to XXXX XXXX ( $ XXXX on CashApp ) to create an album cover for me. I expressed to him the time I needed it by, he told me the price, and said that it was no problem for him to get it to me by then, specifically within 2-3 days. I paid him on XX/XX/2022 via CashApp. Well he never met the deadline that I expressed ahead of time, and tried to send it to me the day of my album release. I requested my money back due to fraud on XX/XX/2022, but was denied. I wrote a letter to them on XX/XX/2022, but was still denied. This merchant committed fraud by not fulfilling his guarantee, and this is unacceptable.
Consumer complaint received 2022-09-29
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. (FL)

These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1800.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$5900.00} XXXX  XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$780.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$500.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.