davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Formal Complaint Against XXXX XXXX XXXX for Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding ongoing inaccuracies in my credit reports related to a leased vehicle that was eventually deemed a lemon under Californias Lemon Law. Despite multiple assurances from XXXX XXXX XXXX that my payment history would be cleared as a goodwill adjustment, the inaccurate information persists across all three major credit bureaus. 

Background of the Issue In XXXX, I leased a vehicle from XXXX XXXX XXXX that soon developed significant mechanical issues. The car spent several months in the shop, during which time I did not have possession of the vehicle. Despite this, I continued to make lease payments on time, as agreed. Eventually, the vehicle was deemed a lemon under California law, and XXXX XXXX XXXX assured me that as part of the resolution, my payment history would be cleared as a goodwill adjustment due to the significant inconvenience and financial burden I endured. 

However, despite these assurances, my credit reports with XXXX, XXXX, and Equifax still reflect multiple late payments that should have been cleared. Specifically : XXXX & XXXX : 30 Days Late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax : 30 Days Late on XX/XX/XXXX Account shows as current as of XX/XX/XXXX, which is inaccurate as the lease has since been terminated. 

Attempts to Resolve the Issue I have made numerous attempts to rectify these inaccuracies directly with XXXX XXXX XXXX and the credit bureaus, but the errors persist. XXXX XXXX XXXX refusal to correct these mistakes has resulted in significant financial harm, including the deterioration of my credit score, difficulty obtaining financing, and potential loss of favorable credit terms. 

This ongoing issue represents a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that companies furnish accurate information to the credit bureaus. XXXX XXXX XXXX failure to correct this known issue despite multiple opportunities to do so is not only negligent but also unlawful. 

Impact of the Inaccuracies The inaccurate reporting of late lease payments has severely impacted my financial situation. The vehicle in question was in XXXX  possession for several months due to its mechanical failures, during which I continued to make timely payments. These late payments should never have been reported, as the lease was under dispute and ultimately voided due to the vehicle being declared a lemon. 

The financial loss I have incurred due to these inaccuracies is significant, including higher interest rates on loans and credit cards, rejection of credit applications, and an overall decline in my creditworthiness.
Consumer complaint received 2024-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC. (NY)

These accounts information are wrong and hurting my credit profile and score financially and get me in hardship with these false statements moving my information other debts buyers and messing my reputation XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$1000.00}. 
Open XXXX XXXX XXXX XXXX XXXX Original creditor CAINE & WEINER Last reported XX/XX/year> {$2300.00} Open balance CAINE & WEINER Original creditor
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.
Consumer complaint received 2024-04-23
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: Experian Information Solutions Inc. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged 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 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-09-28
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 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 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello, I am filing this complaint in reference to my Capital One 360 Checking account. Over the last week I have used " transfer from an external account '' feature in my online banking to transfer funds from my Bank XXXX XXXX account to my Capital One account. The reason for these transfers was that I recently received an annual bonus from my employer, which were deposited to XXXX. However, I wanted the majority of this bonus to be deposited at Capital One. 

I initially tried to transfer {$8500.00} using this feature in Online Banking, however I was told that it exceeded the daily limit. For this reason, I sent a series of smaller payments over the next few days. This morning ( XX/XX/2023 ), it seems as though this feature has been drastically reduced, so I called the customer service line. During that time, I was informed that I had a monthly external transfer limit of {$5000.00}, and I was nearing the limit for the month. I was also told that it was one of the lowest monthly transfer amounts she had seen on an account. 

Here is my problem : I want to be able to transfer the remainder of my bonus to Capital One from XXXX. I want to be able to do this at no charge, as Capital One offers a free external account transfer feature on their mobile app and customer portal that they have decided to limit my account on for the remainder of the month. I am flexible for ways to do this, but since I do not have a physical branch near me, the only current way to do this would be for me to send via wire transfer and incur a fee from XXXX. My preference would be to reinstate my ability to transfer from an external account. It seems like this shouldn't be a problem since " My transfer limit was one of the lowest limits '' the agent had ever seen.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  According XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from my Equifax credit report. Please delete the following accounts. 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 2024-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (TN)

To Whom It May Concern, I am writing to file a complaint against Western Union regarding undisclosed limitations on the number of money transfers allowed within a specified period when sending funds to certain countries. During a recent transaction attempt, I was informed by a Western Union customer service representative that I had reached the limit of transfers within a certain time frame, specifically when sending funds to countries like the XXXX and XXXX. 

Before contacting customer service, I encountered an error code : XXXX ( XXXX ) [ XXXX ]. This code appears to be linked to internal security or compliance checks that are not disclosed to customers. The representative confirmed that while transfer limits on amounts are visible, there is no mention of the number of transfers that can be made, leaving consumers uninformed about these critical restrictions. This lack of transparency significantly impacts consumers who rely on Western Union for their financial needs, as they are unable to anticipate or understand these limitations until after encountering an error.

I believe this practice is deceptive and violates principles of fair and transparent consumer service. I am requesting that Western Union be required to either remove these undisclosed limitations or clearly communicate them to customers through their terms of service and other accessible channels. 

I appreciate your attention to this matter and look forward to your response on how this issue will be addressed to ensure that financial service providers maintain transparency and fairness in their operations.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

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, Experian, XXXX  XXXX.
Consumer complaint received 2024-04-23
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. (MD)

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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC (CA)

Loan Depot is applying my additional principle payments to interest instead of principle and posting the additional payments to future months instead of the current month which would reduce the principle and reduce the future months interest amount, this has a compounding affect which I am not benefiting from and they are in affect stealing! 

I have called them at least 5 times over 3 months ... each time they acknowledge the mistake and say they will fix it, it has not been fixed. I called them today, XX/XX/year> and again they said they would fix it, I do not believe them. 

This can not be legal, please interject and help me and others who are being taken advantage of.
Consumer complaint received 2024-06-28
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection If a consumer notified a debt collector that the consumer refused to pay a debt the debt collector must cease all communication, reporting to my consumer report is a form of communication.
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC (TX)

In XX/XX/XXXX, a debt was settled on my behalf by a debt settlement company to pay off a loan owed to Rise credit. All payments were made in accordance with the agreement as of XX/XX/XXXX. I recently received a notice by email from Rise credit informing me that my debt was about to be sold. I was surprised as all payments had already been made to settle the account. 
On XX/XX/XXXX and XX/XX/XXXX, I reached out to Rise credit confirming my account had been settled and sent copy of the payments made alongside the settlement agreement however, I did not receive a response. I received another email on XX/XX/XXXX informing me that my debt had been sold to a collection company. I have since been contacted by the collection company to pay the debt.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Experian is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (PA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-04-23
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. (GA)

I have reviewed my Consumer Reports and noticed that I have a late payment on account that I was never late for.Consumer Reporting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX XXXX XXXX # XXXX opened XX/XX/2020 Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX