davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (IL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 


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 a right to privacy. 

15 U.S.C 1681Section 604 A Section 2 : 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 Any other adverse item of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Over the past XXXX months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all XXXX XXXX, XXXX  XXXX  2. Date of last payment is different on al XXXX  XXXX  XXXX, XXXX, XXXX XXXX XXXX 3. Date of last late payment is different on all XXXXXXXX XXXX XXXX XXXX XXXX 
Account balance is different on all XXXX XXXX XXXX XXXX XXXX. Date account was closed is different on all XXXX XXXX, XXXX, XXXX XXXX # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Citadel # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX  # XXXX EQUIFAX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for XXXX months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score. 

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (UT)

I recently started to monitor my credit with an agency. 
When I pulled my credit, I saw this negative charge off from General Motors Financial Company , Inc . 


I was never informed they were charging me more money or that there was a problem. 


I turned my car in to the company after my lease was complete. I had made on-time payments throughout the entire lease, and when I returned the vehicle, it was in pristine condition. 

The vehicle had previously been scratched in a parking lot. Of which was repaired and paid for by my insurance company. 

They never said anything to me when I turned it in for inspection. I was unaware they were charging me more money. 

Now I see that it is on my credit.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (CA)

I have a charge-off on my credit file that was a result of my ex-husband applying for credit online and using my social security number without my knowledge and then defaulting on the loan. This occurred during the marriage. I have recently discovered the charge-off. I did not approve of this student loan or sign for it. 
We are now divorced and I need this charge-off removed completely from my credit.
Consumer complaint received 2024-05-23
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-31
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-11
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. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I contacted Barclay ( Jetblue credit card ) on XX/XX/XXXXXXXX  to dispute a {$150.00} charge from UBER and they temporarily credited this charge from my master charge while they investigated this erroneous " cleaning fee. Case ID XXXX. 

The reason that I deemed the cleaning fee erroneous is that on XX/XX/XXXX I used UBER ap and was charged the SAME erroneous {$150.00} cleaning fee on an unrelated credit card. I disputed with the XXXX  and also with

UBER via the ap and everything was resolved and I did not have to pay for this cleaning fee. In fact, UBER gave me a {$5.00} apology credit to my account. In the interim, I attached my Jetblue credit card to my UBER ap and used UBER o
n XX/XX/XXXX while I was taking a trip from XXXX XXXX. For some unknown reason, this SAME {$150.00} erroneous cleaning fee ( from the XX/XX/XXXX ) trip appeared on the trip that I took on XX/XX/XXXX! 

I tried to dispute with UBER directly but it is impossible to deal with a " live person '' at UBER as the ROBOT keep telling me the trip was over " 90 days old and I can not dispute '' Barclay in the meantime, advised me that UBER contends that " fee was valid and they put the {$150.00} charge back on my account ''. I contacted Barclay bank yet again, faxed all my pertinent proof that this was the SAME charge and escalated to manager of dispute department and they continue to refuse to credit this charge from my credit card account. 

Please review my proof and you will clearly see that this is the SAME charge and XXXX ( my driver ) from XX/XX/XXXX trip did not assess an unrelated cleaning fee from this trip.
Consumer complaint received 2024-08-11
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)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (GA)

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding violations committed by CKS PRIME INVESTMENTS , LLC against the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), specifically citing violations of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( A ).

Details of Violations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits a debt collector from threatening action that can not legally be taken or that is not intended to be taken.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section mandates that a debt collector must disclose certain information, including the amount of the debt and the name of the creditor, in the initial communication with a consumer. The Collection Agency failed to provide clear and accurate information about the debt.

Violation of 12 CFR 1006.34 ( d ) : This regulation prohibits a debt collector from engaging in unfair practices, including using unfair or unconscionable means to collect or attempt to collect any debt.

Violation of 15 USC 1681-s 2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer with respect to the confidentiality, accuracy, relevancy, and proper utilization of such information. The Collection Agency has failed to ensure the accuracy and relevance of the information they reported to consumer reporting agencies, which has adversely affected my credit report.

Requested Action : I request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate enforcement actions against collection agency in accordance with the laws and regulations mentioned above. Specifically, I am seeking : 1. Verification and correction of the inaccurate information reported to consumer reporting agencies.

2. Revoking all rights of them communicating with me through email/text/calls 3. Requesting a purchase agreement between collection agency and the original creditor. 
4. Proof collection agency is licensed and bonded
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on Sunday morning, XX/XX/year>. I went to the ATM because he needed to deposit some money to pay for something and after the ATM received my money it turned off and stopped working. I immediately contacted the bank asking for help since I needed to make that payment urgently or I would receive a fine but the bank associate simply told me that there was nothing to do, just fill out a claim and wait. which seems like a lack of respect since the mistake is not mine and I still have to be the one who suffers. Apart from the fact that they damaged my day, I will have to pay a fine and apart from everything I still have not received my money, which was a total of {$4100.00}. They just don't care.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc (LA)

Flight Finance oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX United States Phone : ( XXXX ) XXXX Sunset Finance XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX https : //sunsetfinance.net/locations/flight-financeXXXX Subject : Urgent : Correction Required for Erroneous Credit Inquiry I am writing to address an incorrect credit inquiry that has negatively impacted my credit report. Approximately a year ago, my sister applied for a loan with your company, Flight Finance of XXXX. Due to an error, my credit was mistakenly pulled instead of hers. 

I contacted Flight Finace of XXXX company promptly to correct this mistake, and I was assured it would be resolved. However, as of XX/XX/year>, Flight Finance of XXXX is still listed as a delinquent account on my credit report, which is particularly concerning as I never authorized this inquiry. 

I reached out to Sunset Finance and spoke with a secretary who was curt and unhelpful. She transferred me to a number that was not helpful. I then tried calling Sunset Finance again and was repeatedly sent to voicemail. 

I request your immediate attention to investigate and remove this incorrect information from my credit report. I previously spoke with XXXX, the branch manager, who acknowledged the error and assured me it was corrected. Despite this, XXXX XXXX recent response to my inquiry was unsatisfactory, and he was hesitant to provide the contact information for Sunset Finances, the company responsible for running my credit. My credit score has suffered as a result of this issue.

Please address this matter promptly and rectify the inaccuracies on my credit report. Thank you for your cooperation.
Consumer complaint received 2024-08-03
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. (IL)

Accuracy of my credit report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the Ist time.
Consumer complaint received 2024-06-21
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. (MA)

On behalf of XXXX XXXX XXXX XXXX XXXX XXXX  ran my credit without my permission to do a hard inquiry of my credit on XXXX. XXXX XXXX shows on my equifax but XXXX XXXX XXXX is on my XXXX.
Consumer complaint received 2024-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation (NC)

I have attached a letter to this debt collector, who has been contacting me frequently via my phone ( which I never provided or consented to this company ), regarding an alleged debt I am being advised that I owe. The harassment from this company has been alarming and has raised questions of aiding in harassment for possible securities fraud.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I purchased a shoe ( XXXX XXXX ) from XXXX XXXX  the amount totals to XXXX. I received the shoe on XX/XX/XXXX and it was a XXXX XXXX XXXX  refused my refund, claiming that it was impossible that I had purchased the shoe from them. I then proceeded to file a claim with Chase bank on XX/XX/XXXX. Initially, my claim was denied because my bank requested additional information. I sent them pictures of the fake shoe, As well as a certificate proving that its unauthentic as per Chases requests. My claim was reasserted on XX/XX/XXXX and denied on XX/XX/XXXX. My bank account has been negative for 60 days due to this claim and is expected to close on today. I worked really hard for my money. XXXX refuses to help me and my bank. Also, please if theres anything that you can do to help I would really appreciate it.
Consumer complaint received 2024-06-20
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. (IL)

I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

On XXXX XXXX I did a claim with chime .Someone made an account in was taking my money.I made a police report in everything that was my money for my bills. Im a single mother of two in its hard for me to get my money away
Consumer complaint received 2024-06-22
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. (MD)

In accordance with the Fair credit Reporting act XXXX Account # XXXX XXXX  has violated my rights. 

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.
Consumer complaint received 2024-06-04
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. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Byrider Franchising, LLC (PA)

Back in XX/XX/year> I called in to make a payment on my vehicleI was told that company is under a new name ( XXXX XXXX XXXX  ) however I will still be making payments through XXXX a few weeks later I get an email staying congratulations your auto loan is paid in XXXX I reached out to my car company and stated to them the email I have received, they informed me that it was not true and my car is not paid offI was then informed again that they are under a different name and all information was reported to all 3 credit bureausI check my credit often and on my credit report it says that my car balance is closed paid in XXXX reports that the last payment received was on XXXX the date it was closed was XXXX called the company several times regarding this matter and all they keep telling me is that its been reported still to this day that is the answer Im getting. I spoke again with the credit bureau explaining to them what was told to me by the company..and I was told by the credit bureau no in was submitted and if it was my credit report wouldve been updated immediately here it is 6 months later and Im still paying on my vehiclethe balance that the company still has me to pay off is {$1100.00} Im still going to pay this balance cause I wont be able to receive my title from them because it still says I owe this amountI just want this update on my credit report because its affecting my score
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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.