davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

I was scammed thinking I was taking to a customer service representative from my bank I did not give out my bank information he hacked my account simply by me signing into it and then had me enter what he said was a code that would allow him to over ride my pending transaction so he could cancel it. It was actually the name of his account XXXX XXXX and it send him all my money. I did not enter an amount he actually transfered funds from my savings to my checking and took everything he even had me type in refund since that was the reason I was calling to get my money back from a transaction that couldn't be processed. But I never gave permission to transfer funds not did I give out my information, and I never transfer funds to anyone. The bank will not even investigate it even though I have the text messages to prove this guy was pretending to be the bank I even have witnesses that over heard the conversation since I had him on speaker phone. I am trying to get a court order to obtain the conversation I had with the guy pretending to be a bank representative. I also filed a police report and so far that has gone nowhere. I was scammed, hacked and this was fraud I did not authorize this and {$2000.00} was taken from me that was my rent money. I'm a single mother and that's a lot of money to me.
Consumer complaint received 2024-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOFI TECHNOLOGIES, INC. (FL)

After performing research and commissioning a financial audit of the account I discovered Sofi Bank had sold/transferred my personal loan to a securitization trust. I sent a dispute of debt and requested validation of the debt. Sofi responded with threats of lawsuit and judgement and stated they are the original creditor and the FDCPA does not apply to them. I responded back that the FDCPA does apply because I have evidence that shows they sold transferred the debt to a new owner. Their threats were a direct violation of our contract due to a binding arbitration agreement and I point that out. They are also misrepresenting their ownership and right to collect on the debt. I provided evidence that they indeed transferred/sold my note and again requested a validation of debt showing endorsements/assignments and chain of title/assignment. They called my claim frivolous and refused to cooperate with my demands. I provided excerpts from their SEC filings again confirming that they indeed securitized personal loans and I had evidence showing that my note had been indeed used as a security. I have a right to know who owns my debt and to see servicing agreement and chain of assignment with proper endorsements as required by article 3 of the UCC and the FDCPA. As of now they have violated the following laws : FDCPA Violations : Failure to disclose the true owner of the debt ( 15 U.S.C. 1692e ) Failure to provide a valid assignment of the debt ( 15 U.S.C. 1692g ) Failure to comply with the FDCPA 's requirements for debt collection ( 15 U.S.C. 1692k ) Making false representations about the debt ( 15 U.S.C. 1692e ) Threatening legal action without owning the debt ( 15 U.S.C. 1692f ) Other Potential Violations : Breach of contract by threatening legal action without owning the debt Misrepresentation by making false statements about the debt Potential liability for damages and attorney 's fees I have original copies of all my letters sent, certified mail with return receipts, and their responses I can provide.
Consumer complaint received 2024-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX, XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
XXXX. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. 
Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : XXXX. Confirmation of the legitimacy of the hard inquiry. XXXX. The source of the inquiry. XXXX. Steps taken to rectify any errors or inaccuracies in my credit report. XXXX. Verification of the removal of the disputed hard inquiry from my credit profile. XXXX. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (IN)

I called on XX/XX/XXXX  at approx. XXXX XXXX  on my XXXX XXXX credit card backed by the ELAN bank. My statement due date was XXXX XXXX XXXX  and my balance was {$970.00}. I paid on XX/XX/XXXXXXXX  {$630.00} and also an automatic payment of {$65.00}. So on XX/XX/XXXXXXXX  my balance was {$270.00} which I understand the APR interest of 28.24 % would be charged. By my calculations would be {$6.00}. 
They were charging me {$21.00}. When I called they explained that no matter my balance left over, they would charge interest over the total statement balance. I asked for a supervisor ( XXXX XXXX and she stated the same thing. This went on for about a half hour explain to them that interest should only be charged on what was not paid off. She reviewed my records and reversed my charges after I stated I would file a claim with the CFPB. I will be paying this card off and not using it in the future. But I infer that this is how they charge other customers.
Consumer complaint received 2018-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have inquiries on my credit report on XXXX  that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (VA)

AVANT charged me interest of {$7.00} on my XXXX billing statement when there is NO balance on my credit card account. This is theft on the part of AVANT because I paid my balance of {$560.00} in full twelve days early. Therefore I do not owe AVANT any interest and I told them I will not pay the {$7.00}. AVANT has refused to refund me the {$7.00} that they owe me back to my credit card account. AVANT is also trying to force me to pay them {$7.00}. AVANT told me that I have to pay my balances in full for two consecutive cycles to not be charged interest WHICH I KNOW IS A COMPLETE LIE BECAUSE THAT IS NOT TRUE. If I paid my balance in full twelve days before the due date I dont have to pay AVANT any interest on a {$0.00} balance. And AVANT wants me to pay them interest on a {$0.00} balance. I am requesting to apply to be a part of the XXXX XXXX lawsuit that the Federal Trade Commission won against AVANT so that AVANT can refund me my money back. AVANT IS A FRAUDULENT AND DECEPTIVE CREDIT CARD COMPANY THAT WANTS TO STEAL MONEY FROM THEIR CONSUMERS. AND I WILL NOT LET THIS HAPPEN TO ME.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-31
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

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

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, + consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

This account was charged off on the following date ( month, year of charge off ) since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX  XXXX XXXX
Consumer complaint received 2024-05-31
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)

I am deeply concerned about the lack of responsibility on your part. When will Credit Bureaus correct the erroneous information on my personal credit file? My requests have been ignored for months. Please stop the delay tactics and correct the following accounts immediately : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$2400.00}. As a consumer, I am protected by law from having misinformation reported on my credit file. At this point, I am requesting another review before consulting my legal counsel on how to address these incorrect and unverifiable accounts. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as required by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Consumer complaint received 2024-05-31
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-05-31
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. ()

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), XXXX, Equifax and XXXX must authenticate these items. ( A ). Treating these reporting items as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) are mentioned. ( A ), kindly look at the following unverified items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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.
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: U.S. BANCORP (GA)

On Tuesday XX/XX/ I spoke with XXXX XXXX an associate at US Bank who states that my loan was past due to my surprise when I was on auto draft but they erroneously charged off my loan due to ach issues on bank account linked due to fraud. I explained this to XXXX and he said to send {$1500.00} cashiers check and it would be be charged off so I did and have proof of check sent and delivered and XXXX XXXX confirming he saw delivery receipt but charging off loan anyway despite me paying off the whole loan all together. 

They deceived me and frauded me. Im requesting my credit report be updated to remove the charge off, loan paid in full, on time payments and requesting a check from them for XXXX since I had to oat off the entire loan excluding that since they never acknowledged that check.