davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NC)

Hey, I received a new account on my credit report that I was unfamiliar with. I spoke with the company and asked what was this all about. They stated it was for XXXX XXXX XXXX XXXX XXXX. I had XXXX  when I was a kid, I don't wear glasses, and I'm a man not in need of cosmetic alterations. I told them maybe it is some kind of mistake. I asked what does there system say I purchased and they were unable to tell me. Later I disputed the charges unsuccessfully. The representative from XXXX says they were found to meet the requirements. I disputed it again, because it must be some type of fraud.
Consumer complaint received 2024-07-17
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. (TX)

Transunion LLC and XXXX XXXX XXXX has reported a fraudulent account on my credit report. I am attaching an FTC report that supports my claim, that I am a victim of identity theft. Transunion is also reporting a fraudulent name ( XXXX XXXX XXXX ) that has been corrected by the Texas Department of Public Safety. I am also attaching supporting documentation that proves my identity.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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  Account number : XXXX has violated my rights. Or 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have a membership with Equifax credit reporting agency. After submitting a fraud report, and having 2 separate fraud accounts removed. Equifax removed the fraudulent accounts and proceeded to lower my credit score drastically without reason. In addition they could not explain to me in detail as to why they lowered the score after improving my file by have 2 fraud ( collection ) accounts removed. In addition they locked my online credit file and i no longer have access. Equifax has abused their power by needlessly an maliciously lowered my credit which caused direct financial harm to both myself and my family. As a result of this i was denied a home loan. The denial was in fact a direct result of Equifax lowing my score with no reason. Please know i have NO ( zero ) late pays, delinquent accounts or collections on my report. The blatant and malicious acts by Equifax are simply because with documentation and legal proceedings i forced them to remove items they were previously refusing to remove. Lack of consumer protection and poor government oversight has allowed CRAs to continue to cause financial hardships and financial harm to consumers. Please investigate this matter as it is believed to be intentional acts.
Consumer complaint received 2024-05-13
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. (SC)

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 2024-08-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (DE)

US Bank is acting as a predatory lender by making far beyond what is owned on the vehicle after a total loss accident in a lease agreement. This is a stressful time already, having a bank capitalize on good consumers is a terrible practice. 

On XX/XX/XXXX I was in a accident involving my XXXX XXXX XXXX. 
On XX/XX/XXXX My vehicle was determined to be a total loss and valued at {$60000.00} On XX/XX/XXXX After repeated attempts by XXXX XXXX to get the payoff amounts I called to get the information myself from US Bank. I was denied payoff information. This is also what XXXX XXXX experiences. On the US Bank website, Statements & mobile app, you can not locate any information about remaining payments or amount owed. Given my truck was total loss, they refuse to give any numbers to me as the consumer. It is super shady they give no numbers and leave the consumer in the dark. 
On XX/XX/XXXX We had a three party call where US Bank stated they make the decision on overpayment amounts and do not give out payoff information. 

With further questioning, US Bank stated to me ( consumer ) that any over payment assessment is done by them and they are entitled to equity in the vehicle given if the vehicle valuation was less than what was owed, they would take the loss justifying keeping the excess. However, this information is not declared in my lease agreement. With this information, I ( & any average consumer ) would have never made such a considerable down payment given why take the risk ourselves if the bank wants to take the risk. Furthermore, my lease does state I am responsible for XXXX  insurance which contradicts what was told on both calls. Every contact with them resulted in incomplete or unclear understanding of their own business processes. US Bank should be able to provide the amount owned to make the loan whole. It is complete recklessness on their part to hide behind legal jargon in a contract and refuse to give out the true payoff amount. Also, the rep informed me that I can not pay off the loan myself now the vehicle was total loss, meaning they force the insurance companies to pay them the full amount which is like stealing from the consumers. It is a complete predatory tactic to dup customers into putting large down payments and then double dip on the backend of the contract. 

I would include a copy of my lease agreement, but to no surprise, there is no digital one available on the US Bank website. Everything is being hidden from me as the consumer. Let me also add, that my original lease documents list no loan number or account number. It is like it never existed.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (IN)

RE : Failure To Remove Unauthorized Hard Inquiry-A Violation of FCRA. 
To whom it may concern, I am expressing my disappointment and concern regarding Equifax 's failure to respond to my previous letters disputing hard inquiries listed on my credit file. As I previously stated on XXXX XXXX, I have sent Equifax several formal letters requesting the removal of hard inquiries. 
XXXX XXXX XXXX. 
XXXX XXXX XX/XX/year>. 
These inquiries were made without my knowledge and without my consent and appeared to the result of identity theft. I have talked to a representative of Equifax, they confirmed they received the police report and the FTC report they requested. However the hard inquiries remain on my credit file which is a violation of the FCRA. Section 605 ( a ) ( 5 ) of the FCRA clearly prohibits credit reporting agencies, such as Equifax from furnishing information that they have reasonable grounds to believe resulted from identity theft. I have requested a detailed documentation for these inquiries. I never received any documents relating to these inquiries from Equifax.This is a direct violation of the provisions of the FCRA law. By failing to provide me with documentation, these inquiries shall be removed promptly. It has been well over 30 days since my initial dispute letter for these inquiries. As required by the FCRA for Equifax to respond. Yet, I have not received any communication from Equifax regarding the status or the removal of these inquiries. The lack of response is unacceptable and Equifax is causing harm to my credit file. I am again demanding that Equifax removed the disputed inquiries from my credit report and accept the police report, FTC report and my State Congress report to remove the disputed inquiries. Failure to do so of this date of this letter will result in legal action against Equifax reporting agency for violating the FCRA laws. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-05-04
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)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, I am writing to express my concern regarding my personal information, as I have recently become a victim of identity theft. To minimize further risks, I am requesting that Equifax refrain from sending any documents or correspondence containing my personal or financial information through the mail. I believe electronic communication will be a safer and more secure alternative during this time. 

Additionally, I have identified several unauthorized inquiries on my credit report that I believe are related to the identity theft incident. I am disputing the following inquiries, as they were not initiated or authorized by me : [ List of Unauthorized Inquiries, including the company names and dates ] I kindly request that these inquiries be removed from my credit report as soon as possible. I am committed to working with Equifax to ensure my credit report accurately reflects only authorized and legitimate activity.

Please confirm receipt of this request and provide information on the next steps, including any additional documentation you may need from me to process the disputes and update my communication preferences. I would appreciate your guidance on setting up secure electronic communication to ensure the protection of my personal information. 

FTC Report Number : XXXX
Consumer complaint received 2024-05-04
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. 

Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  OF WE XX/XX/XXXX XXXX  OF WE XX/XX/XXXX XXXX OF XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-16
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. (PA)

THIS COMPANY I DO NOT SHARE ANY DEBTS WITH. THEY FRAUDULENTLY ADDED THIS ACCOUNT TO MY CREDIT REPORT WITHOUT MY CONSENT. I DO NOT HAVE A CONTRACT WITH THEM NOR DO I HAVE A PAYMENT AGREEMENT. THEY WERE UNABLE TO PROVIDE ME A CONTRACT OR ANY FORMS I SIGNED CONSENTING ME MAKING ANY PAYMENTS TO THEM. MY RIGHTS HAVE BEEN VIOLATED AND THESE REMARKS HAVE BEEN DETRIMENTAL TO MY LIFE AND CREDIT HEALTH.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (AZ)

By the provisions of the Fair Credit Reporting Act, I am sending this request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (AL)

On XX/XX/XXXX my boss deposited my check into my venmo account of {$410.00} I sent {$260.00} to XXXX XXXX and I had {$150.00} remaining. The same day an hour later my account was frozen saying security alert and my account was suspended until I provided my identification. So at that time do so as they requested. On XX/XX/XXXX I finally received a response after multiple phone calls to them. The email stated Hello XXXX, Thank you for contacting us. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

However, I have temporarily adjusted the status of your account so that you can transfer your remaining funds to a unique bank account. You will not be able to utilize the instant transfer feature. Please let me know if you run into any trouble transferring these funds. 

Regards, Account Specialist After trying to access my account to try transfer my funds to multiple bank accounts. I was not allowed to do so because nothing had been done to my account to allow me to. I called them and they said that there is nothing they can do about it. That I may as well forget about my balance and that my account was closed
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (TX)

To Whom It May Concern, I am writing to file a formal complaint against Diversified Adjustment Service regarding their attempt to collect a debt that I do not owe. The details of the account in question are as follows : Account Number : XXXX Amount : {$1100.00} Date Reported : XX/XX/year> I have never conducted business with XXXX XXXX XXXX, and I have not received any notices or communications from them regarding this alleged debt. I believe this may be a case of identity theft, as I do not know how they obtained my Social Security number or any other personal information. 

I have made multiple requests to Diversified Adjustment Service for debt validation, including : A copy of the original assignment contract or agreement, demonstrating their legal right to collect this debt ( 15 U.S.C. 1692g ). 
Documentation verifying the validity of the debt, including the original creditors details and the amount ( 15 U.S.C. 1692g ( b ) ). 
Evidence that they are authorized to collect debts in the state of Texas ( 15 U.S.C. 1692d ). 
Despite my requests, I have not received any response or documentation from them. Additionally, this negative item remains on my credit report, which I believe to be erroneous. 

In light of this, I respectfully request that the CFPB conduct a thorough investigation into this matter. Specifically, I request that Diversified Adjustment Service be required to : Provide the requested debt validation and proof of authorization to collect this debt. 
Remove all negative items associated with this account from my credit report. 
I trust that the CFPB will address this issue promptly and ensure that my rights are upheld. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.