davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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 2024-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I want to report that someone opened a account with XXXX XXXX  which was sold to Transworld Systems INC without my knowledge and Its now being reported on my credit report and this is definitely fraud and its defamation to my character and I want them to remove it immediately and to investigate who actually opened the account.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

I open my first checking account with wells Fargo in XXXX maybe XXXX. I deposited a check for XXXX and my account was frozen for 21 days with no valid explanation they said it's because I deposited the check using drive through and it was frozen. My bill fell pass due my friend who recommended me opening the account lended me the money so I can limit late fees. In XXXX of the same year I went in for a simple transaction at the office on XXXX. The representative lured me into opening 2 new accounts. Couple weeks later I went to withdraw money but I was checking at least {$250.00} worth of overdraft fees. I was so upset I closed all my checking accounts and kept the credit card which I have to this day. 
In addition my account was hacked and Wells Fargo offer protection. The protection expired recently in XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Consumer complaint received 2024-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (TX)

US Bank refuses to apply the amount I paid in XXXX to my escrow account. I sent a specific check with a note on the check and to a specific address for escrow accounts. They're telling me since my mortgage is in default in XXXX that the amount will not be applied to my escrow account and will now be held until I can pay my mortgage again. My mortgage was current in XXXX and XXXX and I don't understand why the amount can not be applied to my escrow account.
Consumer complaint received 2024-07-19
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: HYUNDAI CAPITAL AMERICA (CA)

After a discrepancy between my former finance company Kia Finance ) and I, the vehicle I leased from them was purchased in full at the end of the lease. One of their reps ( XXXX XXXX made an arrangement with me for an additional XXXX days to get the full payment to them. Due to lack of trust in their business ethics with the malicious handline of my account with them during XXXX, so I sent the full payment balance via overnight guaranteed mail. However, as luck would have it, the payment arrived one day later than the original closing date to receive the payment would normally be ; but since I had made payment arrangements with their company 's rep I didn't think any adverse issues would be applied, especially since my XXXX year payment history of leasing with them had always remained in excellent standing with no 30 day late payments. 

To my surprise, their auto-system posted it as a XXXX day late anyway, even though they had received the payment in full. This caused my credit score to fall more than XXXX points, which ruined my credit standing I had worked so hard on for the past XXXX  years. I asked the rep from Kia that was assigned to handle my complaint if she would remove the late, but she just gave me attitude and said that they did not have to. She also told the origination that I originally filed with that I didn't provide enough information to make a determination, but this is untrue. I sent even more documents, but was given the same reply, so that agency closed the complaint, because Kia would not budge. 

The rep never considered the payment arrangements I had previously made to ensure nothing derogatory would be added to my credit profile or the evidence I sent in showing the XXXX XXXX 's late delivery and usps failure to get my mail to Kia within XXXX. This appears to be another malicious attempt to ruin my credit especially since I not longer desire to do business with them and would not be suckered into leasing yet another one of their cars.
Consumer complaint received 2024-06-21
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. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-18
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. (GA)

We contacted Transunion LLC on XX/XX/XXXX to have inaccurate information that is publicly reported to be removed. They could not assist me with the issue and the Fair Reporting Act states that any inaccurate/unauthorized information reporting has to be removed. The inaccurate and unauthorized information are two inquiries on the account from " XXXX XXXX XXXX  '', on XX/XX/XXXX and " XXXX XXXX '', on XX/XX/XXXX.
Consumer complaint received 2024-06-03
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. (FL)

I opened a dispute with XXXX, Experian and XXXX. However they did a personal dispute and not a dispute under the FCRA laws which is incorrect disputing to begin with. As of result the dispute concluded as is. Both XXXX XXXX XXXX XXXX XXXX XXXX did not remove the debt from my credit report.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (VA)

On XX/XX/XXXX, I visited a car dealership XXXX XXXX HONDA XXXX to trade in my XXXX XXXX  pickup truck for another vehicle with a lower monthly loan payment. I was accompanied by my son. During the credit check, it was discovered that my credit score was insufficient to qualify for the loan on my own, and that I would need to combine my credit with my son 's in order to be approved. 

In the interest rate negotiation phase, we were initially offered an interest rate of 9.89 % for the car loan. The dealership representative explained that this was the best rate they could offer due to our low credit scores and incomes. We agreed to this rate. 

At the contract signing, we were offered a variety of additional services, such as an extended warranty and Honda Care. We declined these services because they would increase our monthly loan payment. The dealership representative was persistent in his sales efforts, and it was already XXXXXXXX XXXX. He then proposed that we purchase the extended warranty and Honda Care in exchange for a lower interest rate of 5.9 %. We agreed to this offer but requested a lower monthly payment, which was {$650.00}. However, our request was denied.

After the purchase, we requested the cancellation of the extended warranty and Honda Care. As of our last communication with the dealership, the cancellation had not been processed, and the total loan amount on our statement still included these services. The dealership claims that the cancellation process takes 6-9 weeks.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-17
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: M&T BANK CORPORATION (DE)

I checked my credit report and its showing two WRITTE OFF accounts both from MT Bank one was opened XXXX account XXXX, the other was opened on XXXX account XXXX, these accounts are reporting as negative accounts. I never received a 1099C form to be able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not 100 percent accurate. I also never gave them written consent to furnish my information or obtain my information which makes this illegal according to 15 USC 1681 per the FCRA. I request that this account be removed immediately.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-06-19
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX BANK XXXX XXXX Balance Owed : {$XXXX} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX CARD XXXX Balance Owed : {$XXXX}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

had Identity Thief And A Fake XXXX XXXX XXXX  XXXX Stolen SSN And Opened Accounts Thats Were Closed. Never Received Letters From Them Since. This Person Opened Accounts And Have To Go To Court. Saying In The Texts From Criminals Movers I Have All Your Information And You Don't Paid Your Bills. And Nows Its in A Dark web SSN
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

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, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-21
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: World Acceptance Corporation (IL)

Public Law 73-10/HJR192 of 1933 is still in full force and effect, which states that " ... to require a payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby , is declared to be against public policy ; ... '' Public Law 73-10/HJR192 of 1933 is still in full force and effect, IM DEMANDING YOU REMOVE THIS NEGATIVE MARK FROM MY REPORT IMMEDIATELY WITHOUT DELAY
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXXXX/XX/XXXX Account Number : XXXX XXXX