davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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. (TX)

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

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 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

In XXXX someone opened a XXXX XXXX account in my information. I received a bill from XXXX and called to get the details. XXXX XXXX customer service agent, this account was opened over the phone. There was no verification done before this account opened. 

This has been circulating and I have tried to get it resolved to no avail.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (PA)

Received a letter indicating that a request to change address was submitted in XX/XX/2023. I called and after being transferred numerous times was able to tell them i did not apply for this card and did not change the address for a card i did not apply for. The card was determined to have been used to purchase items through XXXX. I initiated fraud report several times and have had them denied. Filed a report at Identitytheft.gov and submitted this information along with most recent claim which was again denied. The report indicates i signed for items at an address i do not live at nor haveI ever lived at. They claimed i signed a sales receipt which was not included. TD bank has not completed a thorough investigation and are punishing me for being the victim of identity theft. I had also frozen my credit accounts and successfully cleared a bank account and loan application that was started with another bank and which TD bank completely ignored.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (GA)

While staying in XXXX XXXX, I paid rent on-time every month. When I moved out at the end of my lease everything was okay. The apartment was inspected and I received my full security deposit back with no issues. After moving, the apartment complex put fraudulent charges onto my credit account for {$550.00}. This is unfair and criminal.
Consumer complaint received 2024-01-16
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Ref : XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the unauthorized and inaccurate reporting on my consumer credit report. This complaint pertains to the account reported by DEPT OFEDXXXX with the following reference numbers : XXXX and XXXX - XXXX ; TransUnion - XXXX. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), the Family Educational Rights and Privacy Act ( FERPA ), and the Privacy Act of 1974. In accordance with my rights under these statutes, specifically under the FCRA and 15 USC 6802 ( b ) ( c ) and 15 USC 1681C ( a ) ( 5 ), I am hereby officially revoking any and all consent previously granted to XXXX, XXXX, and TransUnion for the reporting of this account. This revocation includes consent in any form, be it verbal, non-verbal, written, implied, or otherwise. 
Moreover, I am exercising my right to opt out of reporting services, as stated under 12 CFR 1016.7, which affirms that " A consumer may exercise the right to opt out at any time. '' I demand that this account be removed from my credit reports immediately, as its presence constitutes a violation of my rights and has potentially damaging implications for my financial standing. 
The inaccurate reporting of this information has caused undue stress and could lead to significant negative consequences for my financial health. I request a thorough investigation into this matter and the prompt correction of my credit report. 
Please acknowledge the receipt of this complaint and inform me about the steps you will take to address this issue. I expect a timely resolution and an updated credit report reflecting the removal of the aforementioned account. 
Thank you for your attention to this important matter.
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA (CA)

on XX/XX/2024 I paid XXXX to XXXX XXXX to reenstate my car after it was reposessed on XX/XX/2024. I was told that an additional fee of XXXX needed to be paid on the day of car pick up and it was paid that day on XX/XX/2024. I was told by the reinstatement department that this will reinstate my account back to good standing and I would continue to make in-full on-time payments for the duration of my loan until paid off. My car note is due the XXXX of every month. on XX/XX/2024 I called the customer service line to make a payment on my car because my online account stated I have to call in for service. the custermer service agent told me I owe XXXX for this months payment. my payments are XXXX per month but was told that the XXXX covered a portion of my payment that month. I paid what she told me to pay over the phone and received no receipt or confirmation. The following month on XX/XX/2024 I called in to make my monthly payment and was told that my payment was {$930.00} and I paid it on the phone with the agent. I told the agent I received a notification on my XXXX XXXX app that my account had been charged off as of XX/XX/2024. I was confused because my payments were on time and in full and told by several agents that I owe nothing until the next month. they stated they didn't know why it was charged off since it was reinstated XX/XX/XXXX no payments had been missed and no money was owed. I was told they would escalate to management and I would get a call back. I never received a callback and I called Genesis Finance about the issue XXXX additional time and spoke with a client agent who told me they would escalate it and have management call because they were not able to get ahold of management. that was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and haven't received any correspondence, not through mail, email, or phone call. I have a charge off on my credit from a company that reinstated my account to active and took my money charged off without cause.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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 2024-05-27
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: SANTANDER HOLDINGS USA, INC. (NY)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of Debt ) from the following charged off account listed XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.
Consumer complaint received 2024-01-16
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Three late payments on an account that i was never late for. The consumer reporting agencies have assumed 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 the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (SC)

I was wrongfully charged and i contacted cash app and then they told me that my dispute was denied and this merchant charged my card without authorization or valid reason for me to have this extra charge. XXXX XXXX has several online complaints of the same thing happening to them. I checked out of this XXXX on Saturday XX/XX/year> the next day at around XXXX in the evening I received a notification that they again at that particular time charged me another {$170.00} without me being there or calling me to advise me of this purchase. when i called the next day the person that did the charge literally told me that oh I forgot to tell you that and it was for a late fee, which while I was there in that hotel I was not advised of a late fee, but yet this rep waits 24 hours when he knew I was going to be back home he charged my card. and Cash app is telling me my dispute is denied when the only receipt this merchant provided me with was a XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> but then gives them an additional receipt that to this day i have not seen nor do I have knowledge of it. this is definitely not a good look on either part. Cash App is going by a fake receipt to not give me my funds back.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

Dear XXXX XXXX XXXX XXXX XXXX, I am writing in response to your recent correspondence regarding my dispute of the accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. As I previously stated, these accounts were opened without my permission and have caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. 

Your response did not fully address my concerns and I am disappointed to see that you believe that the account ending in XXXX belongs to me. I maintain that this account was opened without my permission and I demand that it be removed from my credit report immediately. Your confirmation that you are reporting accurate information is simply not sufficient. In accordance with the FCRA and CFPB guidelines, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report within 30 days of receipt of this letter. 

I am also demanding that you remove all other accounts that were opened without my permission from my credit report immediately. I understand that you have asked the CRAs to delete some of these accounts, but I want to make it clear that I am demanding their removal as well. 

I want to remind you that reporting of inaccurate information is in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ] and other CFPB regulations. Your failure to comply with these regulations could result in legal action against your company. 

I expect a prompt response to this letter and for all accounts that were opened without my permission to be removed from my credit report immediately. Please provide me with a written confirmation of your actions and a copy of my corrected credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA Section 1681c of the FCRA Section 1681g of the FCRA Section 1681i of the FCRA
Consumer complaint received 2024-01-16
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. (MD)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
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: SANTANDER HOLDINGS USA, INC. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-07-04
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. (MI)

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 section2 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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