davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (CT)

In accordance with the fair reporting act the following accounts has violated my rights : XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2024-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (MD)

I signed up for the highest level checking virtual wallet with PNC Bank and the promotion they provided to me was {$400.00} for opening an account with direct deposit. I met the terms of the promotion and never received the funds, I followed up multiple times to confirm I was supposed to receive the promotion and they confirmed I should, then I never received it. we are now in XXXX of XXXX ( account was opened in XXXX of XXXX ) and they are stating the branch I opened the account in did not have this promotion. Yet they are the ones who told me about the promotion when I opened my account. The back and forth with this bank has been most frustrating. Working within the Risk and Compliance world for another major bank I know this is unlawful. Please investigate their actions I would hate to think how many others they are doing this to.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (KY)

When I purchased my car the only information that I was shown was the monthly payment. My monthly payment is XXXX, {$350.00} is going to pay the interest. My interest rate is 16.8 %. I have made 7 on time payments since purchasing my car and no one will refinance the car due to the loan amount of XXXX and the worth of the car being XXXX. I have contacted XXXX XXXX and they will not renegotiate or refinance the car loan. When the loan was proposed to me I was told this was the only company who would finance me and I had a co-signer. I was not shown the interest rate and only asked what amount I wanted to pay monthly. I told the dealer that since my rent was XXXX my car payment should be half of that. I was also told by the dealer that the car, a 2019 XXXX XXXX was the only car on the lot I could be financed for.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NY)

XXXX XXXX is incorrectly reporting my Federal student loan balances as {$5.00} higher periodically every month. This is either because Mohela, my student loan servicer, is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my Mohela/Dept. Ed. loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have 5 loans ). However, I am on the XXXX repayment program, I made my minimum payment due, and the balances did not go up according to statements from Mohela 's website. This caused my XXXX and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to Mohela. This caused my XXXX and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, XXXX XXXXXXXX XXXX  does not have a way for these complaints to be made. 

I've attached some corroborating documents.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Complaint XXXX regarding my Capital One Earned Benefits was previously submitted and ignored by Capital One. Instead, Capital One responded to a separate issue filed with the XXXX that they refused to approve my agent 's valid POA despite all original and additional subsequent roadblock requirements being met. The additional " requirement '' of my agent 's drivers license was provided through the XXXX 

My CFPB complaint is : Because of a documented medical issue, I began having issues paying my Capital One Credit card bills on time and in full in XXXX. By XX/XX/XXXX I had almost maxed out both of his cards and had stopped payments. My legal financial agent, discovered the issue in XX/XX/XXXX and he contacted Capital One explaining the situation. We chose to liquidate my assets to pay off the debt in full instead of trying to negotiate a settlement for less. By XX/XX/XXXX, all of my credit card debts were paid in full which included thousands of dollars in fees and interest that had been accumulated at rates above XXXX %. I have earned over XXXX of Capital One benefit points which was the purpose of using that annual fee-based card. My points can be monetized for at least XXXX cents/pt or {$3600.00}. My online account and monthly statements continue to clearly show that I earned and have those benefits, Capital has expressed their intention take that benefit from me and have provided no reasonable justification. They simply state we cant do that. My agent spoke to Capital One agents on several occasions and searched the company website but can find no documentation or justification for forcing a forfeiture of my benefits especially considering the good faith efforts made to pay my debt in full.
Consumer complaint received 2024-01-29
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. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing accounts opened under my name that were not opened by me. My personal information was exposed in an XXXX data breach. I have not received requested documentation supporting the claim that bureaus are reporting back the the account " does belong to me. '' I am under the impression that this company is not even investigating any of these disputes. Instead I have been hit with stall tactics with responses asking for me to prove my identity by getting my disputes notarized which I have complied.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.
Consumer complaint received 2024-01-30
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)

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Upon inspecting my credit report, I have ascertained that there are multiple credit inquiries which I deem unauthorized and possibly fraudulent. Specifics of the inquiry in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX 

I affirm that I have neither granted permission nor acquiesced to allow the aforementioned entities to peruse or evaluate my credit information. Furthermore, no consent was imparted on my behalf for Equifax to compile such inquiries into my credit history. These practices appear to contravene Section 1681b ( c ) of the Credit Reporting Act and encroach upon my statutory privacy entitlements.

In compliance with the requirements engendered by this situation, I request verification of this data from the above-listed entities and insist upon receipt of all pertinent documents substantiating these inquiries, inclusive of those containing my signed approval if existent. 

Moreover, I mandate that Equifax present tangible evidence of a contractual agreement between myself as consumer and Equifax that establishes explicit consent for Equifax to disseminate any personal information thus related. This document must bear my signature as proof of consent. 

Should such validating documents be unobtainable or nonexistent, I hereby demand immediate expungement of these questionable inquiries from the credit file linked to my Social Security number. 

Please be apprised that under Section XXXX of the Fair Credit Reporting Act, there exists a statutory obligation for your entity to procure the requested agreements and execute an investigation forthwith. 

I anticipate your prompt attention and resolution to this issue. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2024-01-30
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-30
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. (GA)

I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

I was denied a bank account with XXXX XXXX due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Truist XXXX BB & T. After having XXXX XXXX XXXX  investigate the accounts, they confirmed that the information furnished by Truist XXXX BB & T was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act 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. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (WA)

On XX/XX/2022 I used my XXXX XXXX card at XXXX & XXXX 's XXXX in XXXX, WA. The merchant processed this transaction using equipment provided by Square Inc. XXXX XXXX XXXX XXXX XXXX XXXX a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After speaking with XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out to follow up on my previous complaint, dated XX/XX/XXXX, regarding the inaccurate addresses listed on my credit report. I am seeking an update on the status of the removal of these addresses, as outlined in my previous communication. As a reminder, FCRA Section 605b mandates Credit Reporting Agencies to promptly remove any items identified on an identity theft report, in my case under reference number # XXXX. The addresses in question that I wish to have removed from my credit report per bureau are as follows : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG PAYMENT HISTORY WRONG DATE OF LAST PAYMENT RECEIVE WRONG COMMENT ON TRANSUNION SUPPOSE TO BE THE SAME AS XXXX ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON Trans union WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS Payment history is invalid or incorrect/ inaccurate. 

XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX 90 DAYS LATE ON TU & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON TU & NO ACCOUNT TYPE ON XXXX BUT TU HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED Please delete both account due to incorrect inactivity inaccurate information I just want these accounts deleted
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the company also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX