davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

According to the fair credit reporting act 15 USC 1681 SECTION 602, The consumer reporting agencies are to insure the reporting with grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I the consumer. My right to make assure my information isn't shared which is aided by 15 USC 6801, that it is policy of the Congress that financial institutions have an affirmation and continuing obligation to respect the privacy of its customers and to protect the security of those consumers nonpublic personal information. ( Furnishing of information to credit agencies ). 15 USC 1681 section 604 a section 2, In accordance with written instructions the consumer reporting agencies may furnish a consumer report. XXXX and XXXX do not have my written consent to furnish this report. any and all verbal, nonverbal, written or otherwise, consent to XXXX and XXXX have been revoked. 15 USC 6802 ( A ) ( B ), Financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishing of information to credit agencies ). I was never informed of my right to exercise my nondisclosure options. 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies may not make any adverse reporting other than reporting of conviction of crimes which antedates seven years. This account is an adverse item they are reporting without my permission which is against the law. 15 USC 1681S-2 ( a ) ( 1 ), A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15USC 1681E, All consumer reporting agencies shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7, A consumer may exercise the right to opt out, I am opting out of the reporting services. 

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 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OR)

On XX/XX/XXXX I attempted to log into my US Bank online account through the app. After multiple attempts I was locked out and asked to call the US Bank customer service line. I was then asked if I knew about a transaction that was used on my debit card, I I was told it was suspicious but I quickly informed the US Bank representative that I had actually made to purchase and everything was okay. I was then told to contact the fraud liner for US Bank when I contacted them I was then told them my bank account would be frozen for 24 hours and I was never given a reason for why it was and they took my debit card and froze my bank account. As of XX/XX/year> I am still unable to get in I haven't been able to pay any of my bills eat or have a place to stay. I have contacted an attorney for this banking issue and for one more banking issue. The the second issue of that I never received my smart checking account I am XXXX and unable to fend for myself since my bank account assets were Frozen. Because of US Bank I will not receive my XX/XX/year> Federal benefit credit on time. I have also contacted the Aging people with XXXX office to report US Banks conduct with my banking account and unfairly way I was treated. I received the same actions and punishments as the workers did during the covid pandemic because of US Banks fraud Actions Thousands of families went without any money to survive, this is the very same situation I am in because of US Bank.Thank you, a very unsatisfied customer.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MA)

CITI Bank had on many ocassions attempted to get me to submit an application for their balance transfer card. After being hounded relentlisly, I did complete an application. The card was for {$7900.00} transfer. I then received a denial for the card and my credit score had droped considerably. When I attempted to seek a resolution, my calls were not returned. My most recent and response is stating that I have a card, and this is fraudulent and unlawful. See attached, Hi. XXXX. We've closed your Citi XXXX XXXX Mastercard since it's been inactive for several months and based on information from your credit report. You may no longer make transactions on this account. Please immediately destroy all cards on this account and notify any users that it is closed. 
This is fraud and need to be prosicuted at the highest level. I'm asking for a speedy response.

Thi is a followup to my initial complaint. The attached is the latest dated XX/XX/2023.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (TX)

Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies 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 NOWCOM/WESTLAKE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-26
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$5200.00} DEPT OF ED / XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-05-17
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. (NC)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX b ) XXXX XXXX Equifax Account # : XXXX Account Type - Detail XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} According to XXXX XXXX XXXX  XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be XXXX!!!!!
Consumer complaint received 2023-12-08
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. (FL)

I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}
Consumer complaint received 2023-12-08
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. (MD)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (NY)

I sent documents through USPS certified mail with a return slip to Equifax Information Services Fraud Department. My letter was picked up by an Equifax employee from the postal facility at XXXX XXXX  on XX/XX/year> in XXXX, GA XXXX. Those documents contained : 1. ) A copy of my drivers license, social security card, & a recent bank statement for appropriate proof of identity.

2. ) A copy of my FTC Identity Theft Report.

3. ) A cover letter requesting an identity theft block pursuant to FCRA 605B ( U.S.C 1681c-2 ), the identification of such information, including a statement by me that the information is not information relating to any transaction by me. 
4. ) A copy of FCRA 605B I spoke with an Equifax Fraud Department representative on XX/XX/year> ( around XXXX ) about the Identity Theft Block I requested & was told it would take 30 days to complete instead of the 4 business days that the law stipulates. She confirmed that it was received but not yet entered into their system for review. Since 4 business days had elapsed since it was delivered to Equifax, she reassured me my request would be uploaded and honored the following day. 

I spoke with an Equifax Fraud Department supervisor on XX/XX/year> ( around XXXX ) to follow up on my Identity Theft Block request. She notified me that my documents were uploaded to their system on XX/XX/year>. She told me it would take an additional 4 business ( on XX/XX/year> ) for my request to be validated. I asked her to file a complaint on my behalf for the previous representative giving me false/ misleading information willingly & knowingly in violation of [ 15 U.S.C 1611 ]. I believe my rights were violated as well under [ 15 U.S.C 6802 ] which requires a credit block for alleged fraudulent reporting information within 4 business days upon notice.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I sent a dispute letter to XXXX along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time XXXX has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 XXXX
Consumer complaint received 2024-05-17
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. (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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-09-03
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. (AL)

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 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

I am writing a complaint because Shellpoint, who I have XXXX good standing mortgages with, sent me an email that I had a secure message. I logged in, which was an odd experience because it made me create a new account but I had a recent email from creating an account. The message said they didn't receive attachments to a recent correspondence with them and that I could not respond to the email, but could call. I cross checked the support phone number with my previous mortgage correspondence to ensure it was the same, and it was. I called, was forced to listen to a XXXX second recording stating that I qualified for a XXXX XXXX XXXX XXXX XXXXnd to stay on the line to hear other options. I stayed on the line only to be bombarded with either a real person or a recording which would not stop talking, acted like they were a real person even as I interrupted them, said things like " hang on while I check, yes we can get you over to a XXXX XXXX XXXX  right now '', etc. This is a clear invasion of my privacy, robo email and calling to sell XXXX  products, violation of the use of my private information contained in my mortgage information. I can't find any other phone number, chat or electronic communication to contact them other than this XXXX support number on their website and in their emails. Customer Care Line : XXXX. They are PREDATORS and have NO BUSINESS BEING RESPONSIBLE FOR MY LOAN OR PERSONAL INFORMATION!
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-08
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. (TX)

Upon reviewing my credit report, I have discovered that numerous transactions have been inaccurately reported. Pursuant to Title 15 U.S.C 1681a ( 2 ) ( A ) ( i ), a report should exclude information solely related to transactions or experiences between the consumer and the reporting entity. Unfortunately, the inclusion of such transactions has resulted in significant financial hardship and has had adverse effects on both my mental and financial well-being. 
I would like to draw attention to Title 15 U.S.C 1681n, specifically addressing Civil Liability for willful noncompliance. According to subsection ( a ) ( A ), I am entitled to seek compensation for any actual damages sustained due to the failure to comply, or damages ranging from not less than {$100.00} to not more than {$1000.00}. 

Below is a list of accounts displaying inaccurate transaction reporting : XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX XXXX XXXX : XXXX past due or late transactions reported XXXX. XXXX : XXXX past due or late transactions reported This inaccurate reporting not only jeopardizes my financial standing but also raises concerns about the compliance of these entities with the aforementioned legal provisions. I am prepared to pursue appropriate legal action to rectify this situation and seek the compensation entitled under the law.
Consumer complaint received 2024-01-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Summit A*R, Inc. (NC)

Summit XXXX XXXX called more than XXXX  times about a check in XXXX XXXX that I never had, I've told them over and over that this isn't my debt. They stated that they were a legal firm with my case ( debt ).