davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I as a consumer have the right to privacy and Capital One has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Capital One was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (NY)

I cant give you and exact date or original purchase price as Synchrony Bank will not show me my statements back that far. A little over XXXX years ago ( around XX/XX/XXXX ) I purchased a computer through XXXX XXXX XXXX photo using a promotion they were offering for 0 % interest through Synchrony Bank. The payments where set up automatically to what I assumed would be an amount to pay off the loan at the promotional 0 % interest rate. In XXXX of XXXX I was charged a {$1900.00} interest charge as well as a 29.9 % interest charge every month of this year. I believe this is deceptive and predatory as they advertise it as interest free so you go into the loan assuming it is set up to meet all the requirements that make it interest free. Instead, it's set up in such as way as that it drags out past the 0 % interest cut off point and they charge you for all of the interest up to that point ( {$1900.00} ). I would have had no problem paying whatever amount would have been needed to meet this cutoff point as that's what I assumed I was doing but now all of a sudden I owe more than the original amount of the loan after paying for over XXXX years.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I applied for a credit card and I was unable to get approve because they could not see my equifax credit profile. I called equifax and they did not provide me a reason for why they werent showing my credit reports or score. I demand to receive them immediately
Consumer complaint received 2024-06-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (KY)

Financed XXXX dollar loan. Paid company XXXX since XX/XX/24 and still say I owe XXXX more payments totaling XXXX. It's beyond excessive at the payments already made and probably illegal.
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-06-08
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-15
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. (SC)

This account XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation. 

Also, I've ask that the original contract between me and this company be presented, I still haven't received that information. Credit bureau states they have verified the information to be accurate and true. I would like to see the information that was presented to verify this account. If this account can not be properly and accurately verified, then this account needs to be deleted from my credit report.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

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 2021-03-22
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: EQUIFAX, INC. (NJ)

i just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card
Consumer complaint received 2024-05-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights.

1

5 U.S.C. 1681 Section 6 States, I have the right to privacy. 15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instruct
ions.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

Chime has not released my SSDI payment for XXXX in the amount of {$1000.00}. The funds have been transferred from the Treasury Department to Chime and they have not posted my XXXX payment for me for XXXX.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (AZ)

This collection is reporting closed and supposed original creditor is also reporting this on my credit report. There's a lot of inaccurate reporting between XXXX XXXX  and AFFIRM. Booth are reporting the same unknown debt.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (PA)

I Checked my credit this week and seen a account on my credit that does not belong to me. I tried to call the collector and they tried to get information out of me. they would not verify the contract of when this account started. I was hanged up on by the company three times as i tried to contact them about this fraudulent account. This is a direct violation of the F.C.R.A. I would like this issue resolved. 15 USC 1681b
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

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 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.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (MI)

On XXXX my husband and I closed our Axos checking account and withdrew all of the funds. The closure of the account was confirmed on XX/XX/XXXX. On XX/XX/XXXX or XX/XX/XXXX Axos bank initiated a {$2500.00} transfer from my external account to be deposited into the ( now closed ) checking account. I received an email XX/XX/XXXX that Axos bank received the funds from my external account ( which I had no idea this transaction was even happening because we closed the account before the transaction should have taken place ). I sent a message to Axos through their app on XXXX stating that the transfer should not have happened and how will I receive the funds back? I did not get a response in 24 hours so on XX/XX/XXXX I called Axos bank and spoke to a representative who stated that the account is definitely closed and that the funds will be rejected and routed back to the bank it came from electronically. Since that time I had been checking my other account to see when the funds would arrive. Now it is XX/XX/XXXX and I still do not have the funds so I called Axos bank again. I spoke to a different representative who informed me that I was sent a message in the Axos banking app XX/XX/XXXX stating that they would mail the funds to the address on the account as a cashier 's check and that they have already mailed the check ( without tracking information and without confirmation from me ). I had been trying to log into my Axos account and have been unable to for over a week. I was then informed by the representative that my account has actually been deactivated since XX/XX/XXXX and so there is no way I would have been able to log in after that time. So there is no way I would have been able to see the message that was apparently sent to me on XX/XX/XXXX stating they were mailing a check. 

So in summary Axos bank initiated a transfer from my external account to their bank, to a closed checking account. Then told me they would send the funds back electronically. Then they did not send the funds electronically and instead decided on their own to send a cashier 's check by mail without confirmation from me and without verifying the address on the CLOSED account. And it is the wrong address. I do not live or have any connection any longer to the address that they sent the check to. They " notified '' me that this was occurring by sending me a text message on their app on XX/XX/XXXX that they should have known I would never be able to see because they deactivated my account on XX/XX/XXXX making it impossible for me to log in. And then in order to rectify the situation they asked me to sign a disclaimer form ( which is attached ) that states that I lost the check.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX accounts as follows # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Sections 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to dispute certain information on my credit report that I believe is inaccurate. I am seeking a thorough investigation to rectify any errors and ensure the accuracy of my credit history. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please conduct a prompt investigation, provide me with the results, and make any necessary corrections to my credit report. As per the FCRA, I also request a free copy of my updated credit report after the investigation. 

Thank you for your attention to this matter and your commitment to maintaining accurate credit reporting. 

Sincerely,
Consumer complaint received 2024-01-23
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. (CA)

On XX/XX/XXXX, I informed Equifax by mail that there was incorrect and/or outdated information reporting on my credit file. I've asked Equifax to correct this information several times.. The incorrect information gets removed from my report, and months later the incorrect information comes back on my report. Equifax only temporarily corrects the problems. I am asking Equifax to thoroughly read my documents and remove the incorrect information I have listed. I informed Equifax in writing once again on XX/XX/XXXX, that the incorrect information has returned to my credit report. I, XXXX XXXX, am currently disputing items on my Equifax report. The incorrect information that Equifax has, is only reporting on Equifax. No other credit bureau is reporting this incorrect information. There is no third party acting on my behalf. I have attached the proper identification to verify my identity. Equifax has accused me of using a 3rd party to act as myself. This is a lie and a known stall tactic being used by Equifax. There are no other persons or any credit company acting on my behalf. Attached are my proof of documents.
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Late XX/XX/2023 I received a text notification on my phone from XXXX that a collections account was added to my credit report. Upon reviewing the most recent credit report I confirmed that a collections account was added by Allied Collection in XXXX XXXX. The original creditor being a XXXX XXXX XXXX. I have never had any business dealings with this XXXX XXXX XXXX. I asked the collections agency to research the account in more detail and provide me information about the debt. They refused to do so, instead responded to XXXX within 24 hours that the debt was valid. I informed both XXXX and Allied both verbally and in writing that I dispute this debt under FCRA and requested this false account be removed from my credit report immediately. This is identity theft or a mistaken identity issue. I informed XXXX and Allied Collections that I have a XXXX XXXX XXXX son with the same name ( XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX that is using my identity to open up credit lines at casinos to support his drug and gambling habits here in XXXX XXXX. I added a fraud alert to my credit report as well as a hard freeze on my credit report. I have millions of dollars of credit, XXXX XXXX  score, and would never fail to pay a {$300.00} bill. This is illegal collection of debt by Allied Collections.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

AFFIRM is currently reporting that I have a delinquent account with them. Ive received emails from them and when I select make payment option theres either an error message or nothing populates. I also went on this creditors app to make my payment and receive an error message or nothing at all. Ive been trying to pay these two accounts in full for the last couple months and was unable to due to the creditors website and app. Now they are reporting on my credit that I am delinquent and it dropped my score by over XXXX points. This is UNACCEPTABLE and VERY INCONVENIENT!
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

on XX/XX/XXXX someone deposited {$7000.00} in my fifth third checking account without my knowledge or permission. When I notified the bank about this mistake. They placed a half XXXX ( {$500000.00} ) debt on my account to restrict me from my account. So I would not have access to the {$7000.00} or any remaining money in my account. They also told me my account will be closed. On XX/XX/XXXX I was expecting a direct deposit from the department of VA in the amount of {$4100.00}. I went to the branch located at XXXX XXXX XXXX. XXXX OH XXXX. The white bank teller rolled her eyes at me and told me they were closing my account. I asked her to call someone at the bank to find out what happened to. my direct deposit. She would not do it and the manager was no help either. Both her attitude and the manager attitude was very unprofessional to say the lease. Fifth third bank is not giving me the remaining funds in my account nor are they giving me the {$4100.00} that was sent to me by direct deposit from the department of VA on XX/XX/XXXX. And I do not owe this bank {$500000.00}
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Yes Online Inc (TX)

Awhile back I made a dispute for Dynamic Legal Recovery dab of XXXX XXXX. 
I gave them the supporting documentation to prove my case and that the information reported is incorrect. How can I have this issued resolved and my record cleared. How can I have this issued resolved and my record cleared because it continues to hinder my future employment with the Federal Government. I transitioned out of the XXXX back in XXXX  from XXXX and currently reside in Texas.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.