davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have tried to get and apartment and score went from a XXXX to a XXXX. Someone has used my information. I need another social security number. Only tried apartments.. credit cards may be made up as well. Check all credit cards and apartments thats not in my name. My social security number is being used on security systems with one of my emails XXXX and a telephone was just purchased in my name from XXXX
Consumer complaint received 2024-05-27
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. (FL)

I pulled up my credit report and notice that XXXX XXXX has placed inaccuracies on my credit report. The 15 U.S. Code 1681e ( b ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies to ensure the accuracy of the information in consumer reports. XXXX XXXX should have given me an opportunity to dispute this information if they feel to believe it's correct. I need them to give me proper notification and also send me a certified notification receipt with my signature showing that we communicated about this debt.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Receivable Management Services LLC (NJ)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC (OK)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

At XXXX in the morning, I woke up to my phone receiving text messages of bank transitions through my mobile banking. I immediately sent a email to my bank and called the fraud department about these transactions. I noticed that my debit card wasn't in my wallet either. The fraud department gave me a tracking number and while I was on the phone with the fraud department, I was still getting text messages from US Bank that more transitions and withdrawals were happening. I also went to US Bank in person to let them know what was happening. When I spoke to the teller and let her know what was happening she said, '' you people always have a excuse. I immediately asked to speak with a manager and closed my account. I also made a complaint to the Branch Manager. I'm a XXXXXXXX XXXX XXXX XXXXXXXX XXXX and my only source of income is my XXXX XXXX XXXX. I'm also XXXX American/XXXX  When the teller said to me you people, I knew immediately I would never bank there again. I received a letter from US Bank today, the letter stated that they will not reimbursed me my {$630.00} that was stolen from my account. I did not make these transactions and I want to add, I don't have a credit card with US. Bank and I don't have any loans with US Bank and my account doesn't allow me to get cash advances. All the fraud from my account were all based on cash advances. I have banked at US. Bank for 2 and 1/2 years and I have never received a cash advance. The cash advances added up to {$630.00} within a week period.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXXMISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERRORFRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 can not find any reocords of doing business with the above companies.
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Karma (CT)

XXXX - XXXX Internet Service : XX/XX/2023 My internet was turned off by a woman who is truly a threat to society. I called XXXX - XXXX, they said the person that called had my personal information, and told them to shut the service off when I never gave any permission to. They helped me get it turned back on with more security. 

XXXX XXXX Straight Talk : XX/XX/2023 and XX/XX/2023 My phone service was hacked into by the same woman thats a threat. I contacted my Straight talk service to rectify the issue that the same woman is causing, they explained they have now made it safe, however I still had to change my number days later. 

XXXX : XX/XX/2023 I received an email claiming I will be owning {$1300.00} from my account. I called the XXXX customers service line. They immediately helped me and gave me an email to protect my name considering I never had made an account with them. 

Credit Karma, XX/XX/2023 I received an email from Credit Karma claiming I opened a new account when I most certainly did not! We still havent fully been able to rectify that issue yet.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

CREDIT ACCEPTANCE has violated on XX/XX/year> and I have a serious issue regarding my rights under the Truth in Lending Act ( TILA ). It appears that there have been violations of these rights by the company in my recent car purchase. 

Specifically, it seems that there were problems with how my loan or financing was handled, which should have been clearly explained to me according to TILA rules. I believe these rights were not fully respected during my transaction with the dealership.
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

PHH Mortgage took {$13.00} out of my extra principal payment back in XX/XX/2019 they said they issued a check in XX/XX/2019 I have called in 15 times or more and I am always told well we cant confirm it was mailed let me get with that department for verification and we will get back to you sorry for the trouble. I want my {$13.00} that has been owed to me since XXXX and I wish that the CFPB would get more teeth and penalize this company for their sloppy mistakes period.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had ran into a rough patch I fell behind on my Capital One Account I called them they told me if I paid them in full it would report as PAID AS AGREED SO I PAID IN FULL. They did not keep the agreement because it's reporting as a CHARGE OFF This should be inaccurate information
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> I initiated a claim with Bank of America for unauthorized charges to my checking acct. The representative split the claim up into XXXX separate claims, I requested a provisional credit and was told after 10 days if the claim was not resolved they would issue XXXX. On XX/XX/year> I faxed over a copy of my operative report showing I was in the XXXX  from XX/XX/year> thru XX/XX/year>, the police report I filed and a copy of the XXXX receipt showing I had to get a duplicate drivers license. On XX/XX/year> I received an internal msg in the app informing me that one of the claims had been denied. I called a spoke to a representative named XXXX who told me that the claim was eligible for credit but that it wouldn't be provided to me. I thought this was very discriminatory in nature and asked to speak to a XXXX, I then spoke to XXXX, who informed me that the information I had provided probably hadn't been received and the time the decision was made and said she would submit a request for the claim to be re-opened for re-consideration. On XX/XX/year> I received a provisional credit for one claim but not for the other. I sent a fax requesting the claim that had been denied be re-evaluated for re-consideration. I couldn't understand why the information I had sent was enough to provide a credit on one claim but not the others. On XX/XX/year> I received a visit from a XXXX XXXXXXXX informing me a person had been arrested and had my ID and my debit cards and my phone in his possession. He informed me that this person had multiple convictions for identity theft and fraud and at the time of his arrest had over XXXX ID 's and several bank cards. He showed me a picture of the person along with pictures of my cards. I informed him I had never seen the individual and confirmed that the ID and cards were mine. He told me if I wanted them back I would have to wait till the case was concluded and the evidence could be retrieved from the evidence room. He also informed that if they needed me to testify that I would be issued a supena via mail or email. On XX/XX/year> I called Bank of America claims, who still had the claim under review, and informed them of what the XXXX had told me. They said it was under review but would notate the account with the new information.
Consumer complaint received 2024-05-27
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

There are errors such as files on my credit that doesnt belong to me and I have ask for a complete investigation and to send proof and havent recieved any mail or email. Everything that Ive sent was certified so i know they have recieved. I have done this several time. I have also reached out to the orginal debtor.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sir/Madam, I am writing to formally dispute the unauthorized access and furnishing of my credit information by your bureau. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602 and 15 U.S.C. 1681b Section 604 ( a ) ( 2 ), it is required that a consumer 's credit report can only be accessed and furnished under certain circumstances, including obtaining the consumer 's written consent. 

I have reviewed my credit report and found that there have been inquiries and other actions taken which I did not authorize. At no point did I provide written consent to your bureau or any third party to access or furnish my credit information. 

According to 15 U.S.C. 1681 Section 602 ( a ), Congress has established the need for fair and accurate credit reporting, emphasizing consumer confidentiality and the necessity for consumer protection against the dissemination of inaccurate information. Furthermore, 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) explicitly requires that consumer reporting agencies obtain written instructions from the consumer before releasing their credit report.

Since I did not provide such consent, I am requesting the following actions be taken immediately : 1. Remove all unauthorized inquiries and information from my credit report.

2. Provide me with a comprehensive list of all entities that have accessed my credit report without my written consent.

3. Cease any further dissemination of my credit information without my explicit, written authorization.

I also request that you provide me with written confirmation that these actions have been taken within 30 days of receipt of this letter, as stipulated under 15 U.S.C. 1681i.

Failure to comply with these requests will leave me no choice but to take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking legal remedies for the violation of my rights under the FCRA.

Please address this matter with the urgency it demands. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

I filed my fraud dispute on XX/XX/year>. I told Wells Fargo that my ID and my debit card and pin was lost on XX/XX/year>. The transactions were XX/XX/year> {$65.00} {$26.00} XX/XX/year> {$310.00} {$170.00} {$630.00} XX/XX/XXXX, {$140.00} {$210.00} {$27.00} {$29.00} {$7.00} {$16.00} {$120.00} {$27.00}
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A 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 an 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 or 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.