davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Us bank took a couple of my stimulus checks and said my account was negative which it wasn't. There was fraudulent charges on my account. They also sent me a letter saying to take the money out by such and such date but that date had already passed. They sent the letter out after the date had passed. So there was no way for me to get the money. This all happened in XXXX XXXX I had business accounts. I went into the bank and tried to get the money explaining this was emergency money and they refused.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-11
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. ()

verbiage 75 % XXXX 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them Turn on screen reader support To enable screen reader support, press XXXX To learn about keyboard shortcuts, press XXXX XXXX has left the document.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I am writing to file a formal complaint against Fidelity Creditor Services and my former landlord, XXXX XXXX XXXX XXXX. 

Despite a lawful court decision stating that I owe {$0.00}, Fidelity Creditor Services is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX. This action not only violates the court 's ruling but also breaches collection laws, using intimidation tactics. When I contacted Fidelity Creditor Services to request the legal basis for their actions, the representative failed to provide any justification and abruptly ended the conversation by hanging up. 

I have attached the court judgments for both myself and my partner. Additionally, I have sent letters to both the collection office and the landlord, stating that their actions are unlawful. 

I request your assistance in addressing this matter and ensuring that Fidelity Creditor Services and XXXX XXXX XXXX XXXX cease their unjust collection practices. 

Thank you for your attention to this matter.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (WA)

MercedesXXXX collected a final balloon payment on the last month of my lease for {$4000.00}, carried over from XXXX deferments. I was not aware of this, as i forgot and my auto pay deducted final payment causing my account to go negative. I was able to get a refund on the full payment and agreed to carry over the final payment and add on to the purchase of the car, which Mercedes agreed. Mercedes does not work with residents for the state of Washington in regards to funding car loans, so i was reaching out to local lenders. As i was shopping for a lender after my lease ended it pushed past 30 days of my final bill and I was not aware that i was still on able incur a 30 day late, as we had agreed to roll the final payment over. Mercedes reported this late to the bureau which is causing me to not get funding. Once they told me I was past 30 days I payed the the final {$4000.00} on the spot and asked them to remove the late as I was in the process of trying to purchase the car. They said it was too late on their end and so here i am writing you. I was never late on my lease payments for 35 months and on my final month after Mercedes told me i could fold the payment into the purchase, I was marked late for that exact payment. I have resolved this mercedez and they are payed current up to date and i paid them an additional {$3000.00} to extend my lease until XX/XX/XXXX as I work to get this removed from my report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

I'm not able to find my credit report or know my fico score. I am trying to build my credit because I've never in my life applied to receive a credit card and want to know if I'm eligible. I can't get the information I need. I looked on been verified and it tells me I'm I need to know. I was trying to make an inquiry about my credit score and fico. When I would type in my SSN, It would tell me that's a SSN for another person.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

An account with XXXX XXXX appeared on my credit reports as a charged-off debt. I have never opened an account or heard of this company before. I contacted the company to dispute this but since they track accounts by phone number and my phone number is not found in their system, they could not find my account. The credit reports show an open date of XX/XX/XXXX and close date XX/XX/XXXX. I have not ever leased or purchased goods or services that were financed through this company. it appears that this account was opened with {$3500.00} of credit but no payments were ever made on this account. The unpaid balance reported by them on my credit report is {$6300.00}. This account is erroneous, inaccurate, and is not mine.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights under 15 USC 1681.

I am not accepting responsibility for any of the below accounts however my attempts at removal due to the nefarious acts of others have gone unnoticed. Several of these accounts that have reached the 7 year mark have been hurting my credit for almost 10 years through no fault of my own and should be removed at once. Again, I will list in detail the aforementioned accounts below. 

XXXX. XXXX XXXX XXXX ( reporting over seven years ) Account number XXXX This company is adding on time payments, that never occurred, to keep this active on credit report. This should have been deleted as the account was opened by fraudster in 2016. The perpetrator defaulted over 7 years ago. I have tried many times to fight this and now the account has passed 7yr tenure for reporting. 

XXXX. XXXX OF XXXX ( reporting over seven years ) ( XXXX Accounts with same account number in different amounts ) Account number XXXX XXXX. XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX ( Reporting as duplicate account with XXXX XXXX ) ( Past 7 year reporting ) not my account Account number XXXX XXXX. Account name XXXX XXXX ( Past 7 year reporting ) - not my account Account numberXXXX XXXX. Account name NATLCRSYS ( Not my account ) Account numberXXXX Original creditoXXXX XXXX XXXX XXXX  XXXX. Account number XXXX ( Not my account, reporting more than 7 years ) XXXX XXXX XXXXOriginal creditor : XXXX XXXX. XXXX - not my account XXXX - This account was opened fraudulently through identity theft and documentation has been submitted to show this. Account removed from XXXX, still reporting through Equifax and XXXX. 

Credit reporting laws violated are listed below -- 15 U.S.C 1681 Section 602 A states I have the right to privacy.

604 A Section 2 - States a consumer reporting agency can not furnish information without my written instructions/consent.

15 U.S. Code 1679c - Disclosures - The credit bureau must remove accurate/inaccurate, negative information from your report if it is over 7 years old.

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 2024-01-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NY)

I am writing to formally express my dissatisfaction with the recent handling of my Wells Fargo credit line account.. I have been a customer with Wells Fargo since XX/XX/XXXX when I purchased a sofa and applied for a credit line with a supposed interest-free period during the first 12 months. 

To my surprise, in XX/XX/XXXX, I received a statement indicating a charge of {$750.00} in interest, which I was informed is imputed interest for the first 12 months. This is in direct contradiction to the terms I was initially presented with, promising an interest-free period during the first year. 

I have diligently paid {$110.00} each month in accordance with the agreed-upon installment plan, and I am deeply concerned about the sudden imposition of such a substantial interest charge. I immediately contacted Wells Fargo customer service to seek clarification and requested a waiver of the imposed interest. Unfortunately, my request was rejected, leaving me frustrated and dissatisfied. 

I kindly request a thorough review of my case and a reconsideration of the imposed interest charges. I believe there has been a misunderstanding or miscommunication regarding the terms of the credit agreement, and I am seeking a fair and equitable resolution to this matter.
Consumer complaint received 2024-07-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NPG Associates, Inc. (OH)

The last call I received was in XXXX. Now they call me yesterday XX/XX/XXXX and told me if I dont call them back this week that they will sue me or get me arrested.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

RE : XX/XX/XXXX REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER XX/XX/XXXXIN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXXXX/XX/XXXXXXXX [ XX/XX/XXXXO. XXXX ] XX/XX/XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-10
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. (CA)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
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. (AL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

This is the XXXX attempt to communicate w/ MOHELA regarding the PLSF. 
I have met the requirement of working for a government and or nonprofit community IRS verified employer. I am still currently employed with a XXXX XXXX XXXX XXXX XXXX XXXX. I submitted all required information to XXXX  XXXX XXXX XXXX ( MOHELA ) and Student Loan Services. I have enclosed copies of all communication from MOHELA whereby it is written that I have 1 payment for total PLSF. MOHELA recently sent a letter stating that I was approved for an Administrative Forbearance ending XX/XX/2023. That is not the WRITTEN agreement that MOHELA mailed to me. I do not want my credit score impacted and according to THEIR written notification, I am eligible for PLSF. According to President Biden statement regarding PLSF, I have the XXXX  years of employment with the XXXX XXXX Forbearance to be included. I also have made required payments.
Consumer complaint received 2024-07-10
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)

It is of utmost importance that prompt measures be taken to prevent the usage of fraudulent accounts that have been bought to light as a direct consequence of the Equifax data breech/identity theft. In light of ongoing investigation by the federal trade commission it is incumbent upon us to comply with regulations laid down in the fair credit reporting act section 605B, which mandates the blocking of such information until the investigation is concluded. As such, it is imperative, that we take Swift and decisive action to protect our customers and uphold our commitment to compliance and security. Continue unauthorized inquiriesXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,
Consumer complaint received 2023-03-16
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: Affirm Holdings, Inc (DC)

I accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.