davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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. (FL)

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 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: General Motors Financial Company, Inc. (MS)

Well I purchased the truck at a car lot in Louisiana they was really trouble from the start but I found the on a legitimate site and thought they had good reviews. Got there after I contact they about the truck and they said I needed a co-signer so I got my mother to go on there. First they tried to finance me into the wrong vehicle, then said my credit changed over night so I got my mother to find out my mother credit was great but then they found a problem now my interest was sky high 29.9 % but then swore in 6 months I could refinance and take my mother off as the co signer. So Im paying XXXX for a XXXX  XXXX to find out Im not the owner Im the co-signer and my mothers the owner. Then did not take or inform me of this. It took XXXX before I was issued a tag I drove around with a XXXX tag for XXXX month then I got XXXX tickets from my local police department which made them then finally send me my tag. But a week into me have the truck I had to change brakes because it started to make this loud noise and the warranty they provided DOES NOT WORK. Then fast foward XXXX  month I find out there a hole in the roof of the car so every time it rain it comes in and makes a mess of the ceiling and leave XXXX spots.Then going to school last week I heard a pop and then all the lights came on the dashboard the engine light the awd light and the stability light and lost power and can for about the airbag malfunction. Contacted them again about who can I go to to fix the problem and still no one excepts the warranty that they provides. So out off money with this predatory loan with the highest interest rates ever and no one will except the service that Im paying XXXX dollars for.
Consumer complaint received 2023-09-15
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-15
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. (NY)

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 2022-08-11
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: Byrider Franchising, LLC (MD)

To whom it may concern, I am writing to request information about the account CNAC XXXX, on my credit reports XXXX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Recently I saw a late payment on my credit report from XXXX XXXX XXXX that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I receive a transfer from a person and than I went to the bank. 

Was everything ok I have my id they send confirmation text to the phone and after letting me there for almost one hour asked to call custumer service that was very poor assistance and they freeze my personal account.
Consumer complaint received 2023-09-15
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. (CA)

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2023-08-25
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: Experian Information Solutions Inc. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, Either credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I believe the account is invalid. BEST BUY/Citibank North America needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.BEST BUY/Citibank North America XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank reported a 30 day late payment to the 3 major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was XXXX  due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my Barclays rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and Barclays should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. Barclays Bank failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against Barclays Bank in the small courts claim where I have all proof to show Barclays Bank is breaking FCRA laws. I have been with Barclays Bank since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Consumer complaint received 2024-07-02
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: TRUIST FINANCIAL CORPORATION (IL)

Good afternoon, I DO NOT recognize these companies that made on my name hard inquiries on my credit report. 
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 XXXXXX/XX/year> Please help me to solve this issue.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

I was XXXX due to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX to XXXX I was under XXXX XXXX XXXX XXXX XXXX and I am still under great XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Doing this time period, I got XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. I was not interest in any credit card or credit, I kept gett attached for my bank account at XXXXXXXX XXXX, The identity theft stole money from my bank account, andput on my computer a fake XXXX in which I made error going on it to buy they, I need to support my health and food. In XXXX of XXXX the Hospital platform for XXXX XXXX XXXX using XXXX in XXXX, Pa software operates a contact plateform for XXXX XXXX XXXX and received my infomation in connection to the Identity Theft and fraud upon me XXXX XXXX on or around XXXX XXXX. I didn't get this letter from XXXX untill XXXX. and the XXXX XXXX the maker of MOVEit transfer Tool found that, In which they disregarded, LaterThey stated in the letter upon an addition investigation with the assistance of a third party found out cyber security specialist determined on or around XX/XX/XXXX taht an unknown actor had exploited this hospital weakness. That on at or around XX/XX/XXXX they exfiltrated my id and other data form their computer server. That the inforamtion related to me was present on the impacted serverat the time of the event. That that Perso too money out of my XXXX acct, and had applied for XXXXXXXX XXXX credit card in my name and had been using it, until the bank sold that XXXX XXXXXXXX bank to RESURGENT RECEIVABLE, they contacted me by email to pay them {$650.00}. I told them to stop calling me My Identity was stolen from hospital Computer Server a. I had no knowledge of this card. They put it on my credit and as a charge off and that I owed them this money. I credit score it XXXX when it was around XXXX before this incident. And some one apply for credit card from my one of my creditor XXXX XXXX XXXX and I already have a credit card with them.. Please get them to remove that off my credit. I need to move I am unable due to all this trouble in my credit report, and get my scrore back to where it was im in all the agency in XXXX to XXXX score. I have never been late.
Consumer complaint received 2023-04-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Recently I received a document from Wells Fargo dated XX/XX/XXXX. On page two last paragraph Wells Fargo allowed an unauthorized 3rd party to speak on my behalf and make payment assistance options without me as the homeowner giving permission or signing consent which is a direct violation of my homeowner rights. Also in the same document Wells Fargo mentioned the reason they denied my modification was because they never received all of the necessary documents from loan lawyers. However on another email sent to me by XXXX XXXX  which are their attorneys mentions that the reason I was denied modification is because my loan is 3+ years delinquent with a credit decision post from XX/XX/XXXX. I wasnt in the house in XXXX, in fact I didnt purchase my property until XX/XX/XXXX. I have never received assistance, and I have never received a modification for my property. This is another clear case of racial discrimination, and unethical acts by Wells Fargo and they are doing to me what they are and have done to many other XXXX and minority home owners which using unethical acts and violating rights to cause families to lose their properties. I expect a fair opportunity to save my home as every home owner deserves. I also informed Wells Fargo I wasnt in my house from XXXX until XX/XX/XXXX being that I was going through a divorce I also sent them the divorce decree as proof.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal and urgent complaint againsXXXX XXXX XXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my XXXX XXXX and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
Consumer complaint received 2023-08-25
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. (CA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (AL)

Its a very long story, but I will do my best to make it quick. I purchased a XXXX piece living room set from XXXX for {$730.00} on XX/XX/XXXX and returned it around XX/XX/XXXX. XXXX stated that they refunded the money on XX/XX/XXXX and my bank Sofi received the refund as a chargeback. I inadvertently disputed the item. It canceled out my refund somehow. The item went through the dispute period and the bank sent a letter around XX/XX/XXXX stating that the claim has been denied after waiting 90 days. They offered to reappeal the dispute to the merchant to attempt to get the funds back and informed me it would be another 90 days to receive the funds. I have gone back and forth with the merchant and the bank and neither is cooperating with me. I spoke with XXXX XX/XX/XXXX and they said again that they no longer have the funds and I need to make a demand with the bank to return my money. XXXX suggested that I go into a local branch to speak with a branch XXXX regarding this issue ; however the closest branch is XXXX hours from my home so this isn't feasible. I have contacted the BBB, FTC, and now your organization. This is the last stop before I file a lawsuit against the bank because they are holding my money and placing the blame on the merchant for it not being returned. I have been waiting for months to have the money refunded to me. Now the bank is telling me I have to wait another 90 days for another dispute for money that the merchant no longer has. I simply just want the bank to do the right thing and refund me my money. I feel very confused and violated as a bank customer. This matter has caused a great deal of anxiety as well as frustration and I am having to take out a tremendous amount of time out of my day on multiple occasions to try to resolve this issue. I have made about XXXX calls from XXXX to present to the merchant as well as the bank and have not received any resolution. I am really hoping that you all can help me or point me in the right direction of someone who can. Thank you for your time and attention to this issue.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You are reporting incorrect payment information for account XXXX XXXX XXXX XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.