davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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. (DC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Equifax XXXX, I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date. 
I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX XXXX XXXXXXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. 
XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter.

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve
Consumer complaint received 2024-05-13
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: Affirm Holdings, Inc (CA)

On my XXXX credit report, it shows an account with Affirm, which is past due since XX/XX/2023 for {$45.00}. That specific account I had with Affirm was transferred to their credit collection agency, XXXX XXXX. I made payments on this account to XXXX XXXX. My final payment to XXXX XXXX was made in XX/XX/2023 in the amount of {$45.00}. I have attached documentation, showing that Affirm charged off that account to XXXX XXXX. I have also attached my payment history on that account to XXXX XXXX. My final payment in XX/XX/2023 was never credited to this account. I have disputed this 4x now with XXXX, and every time I get the same response, that the past due amount will remain on my credit report, and that they have received confirmation from Affirm. What is going on here? What other documentation do you need showing that I have taken care of this past due balance. I want this removed from my credit report now. I have been trying to obtain a home loan, and this past due account on my credit report, is keeping me from obtaining that loan. If this does not get resolved, I am going to have to take legal action. Affirm does not have the right to keep fraudulent information on my credit report.
Consumer complaint received 2024-01-01
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)

To Supervisor of Department, According to The Gramm-Leach-Bliley Act it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. 
However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-01
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-06
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)

I have received a copy of my consumer reports, and I notice XXXX, Equifax, XXXX furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer 's credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report 1. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX XXXX XXXX My account with XXXX XXXX was never late! This was clearly a billing error. This act is shameful, it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX XXXX XXXX XXXX  15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Delete the following late payments from my consumer reports ; List accounts here with late payments. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina state employees credit union charged me XXXX dollars if not more in nsf fees due to their outrageous processing times and invisible money that just appears in your account. They give you your paycheck a day early but it goes in after XXXX meaning its not technically there for payments to come out. Signed up for nsf texts online and at bank. Asked that my vehicle loan come out as soon as paycheck went in. Checkings account was closed without any notice. Online access was taken away. They have been no help at all
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FactorTrust, Inc. (TX)

I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX  isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from Equifax, XXXX, and XXXX and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (NV)

These companies national business factor and XXXX XXXX XXXX XXXX XXXX & XXXX  spring oak capital llc, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Consumer complaint received 2023-08-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX have violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I went by my old apprtment I see my old mail box was open, and all the mailboxes were gone through. My mailbox there never had a working lock, so I wasnt surprised. A few days later I open all of the mail I found the statement for the capital one card. I was confused, I havent owned a credit card recently nor did I open one. I figured someone took one of the offer letters they sent to my old XXXX  . I called capital one and explained to them that the account was opened fraudulently. They reviewed the account, I was shocked to be told most information did not match mine such as birthday, address, SS number. To verify my identity they asked for the same info that was missing/ incorrect on the account. XX/XX/XXXX l got a letter stating I am responsible for the account & charges because it appears the charges or account would have helped me & the information on the account matched mine. This felt confusing as they would not have any correct information if I did not verbally verify my identity when reporting the account. While speaking to XXXX from the fraud department, I was informed that if the account was closed it would no longer incur charges/fees, even with the account closed it has still received charges and fees. Since then I have received multiple confusing statements about the account and how to proceed with getting help. Now i am looking for a straightforward answer.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

I am a victim of fraud. I disputed the transactions with chime who I was banking with, I also filed a police report. I did what I could on my end to try to resolve the issue and to get my money back. They said they was going to investigate the issue but the next day they had sent me an email stating that they have decided they don't want to give the money back and that I can not bank with them anymore. It was a lot of money to me because I am a XXXX XXXX  and I work hard for the money I do get. I was not able to pay any bills before the money was taken and am struggling due to this. this wasn't the first time that I had issues with someone else who didnt have authorization to take or spend the money in my account. the ppl trying to spend the money was in Florida idk anyone there. All I want is for them to make this right. I don't know what to do or who else to reach out to. Thank you for ur time and consideration.
Consumer complaint received 2023-08-30
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)

On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX  REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY
Consumer complaint received 2024-05-13
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: SYNCHRONY FINANCIAL (FL)

Synch XX/XX/2024 I received alert I had a hard inquiry on my report ( i was at work ) i have a frezee on my report but i took it off for 24 hours i was trying to purchase some chairs but i was getting XXXX so I told the Store that I will return the next day maybe I had to wait a couple of hours before I can use it, but I never did return back to the store. I did get in contact. with syncb and its made to them that I did not authorize that transaction. Im at work and theres no way I could have done it at work so they told me that they will remove it and Im trying to TheThey will remove it, and Im trying to make sure that they remove it because I did not authorize that.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CO)

My account has been locked since the beginning of the month without explanation. I have called their customer support team, and have been given zero information as to why my account has been frozen. There is no time frame as to when my account will be accessible. They wont forward me to a different department, because they are the one and only line to the company. This has caused major distress in my life. SoFi has done nothing to resolve this issue.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX ; XXXXXXXX XXXX XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX ; XXXX, CA XXXX Phone : XXXX Back in XXXX and beginning XXXX my personal information has been compromised and used to obtain a credit cards under my name. Please find below the fraudulent accounts information. 

XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Status : Closed/Never late. ( as of XX/XX/XXXX ) Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account name XXXX XXXX Account number : XXXX Account type : Secured Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed/Never late. ( as of XX/XX/XXXX ) Credit limit : {$200.00} Contact info : Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Affirm Holdings, Inc (IN)

I've been waiting on a cash refund since XX/XX/XXXX from Affirm. I called several times and each time I was told it was mailed out. They reported this on my credit report as a missed payment several times. I was told on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX. I still have yet to receive any form of refund. 

Refund amount is XXXX on XXXX XXXX XXXX XXXX XXXX. It has been over 90 days and still have not got a refund. 

The purchase was made through XXXX and returned completed XX/XX/XXXX. 

Affirm keeps reporting missed payments to my credit report on items that have been returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX... 
Size : XXXX XXXX XXXX : XXXX {$53.00} Refund issued {$57.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Affirm said a check was finally mailed out on XX/XX/XXXX but still has not received the refund. 
Affirm has hit my credit report several times with missed payments based on them not getting the item back in time for a timely refund.
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

On XXXX, 2024 my entire direct deposit $ XXXX {$920.00} ( XXXX diff amnts ) was transferred to the credit builder acct. after trying to transfer a portion. I was not able to get cash from that acct. I called to have it transferred back into checking and close the credit builder acct. The representative closed credit builder prior to the transfer. Then they said the transfer was not possible and the funds would have to be mailed. I had to wait over 3 wks. to get my funds to find out that nobody would cash the check. I was forced to open an additional checking acct. to get my funds. Also, XX/XX/2024 when I opened chime acct., their accounting was wrong, they took about {$20.00}. I haven't yet closed the acct. due to the fact that I am XXXX and must appear at the social security office to do this. I have a hard time getting around. Thank you!
Consumer complaint received 2024-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I purchased a vehicle from a local car lot, I put XXXX down with a payment of XXXX a month through a loan company credit acceptance, after almost a year my principal hasn't hardly moved even with the XXXX down. 
Come to find out there's multiple states either sueing or already have sued credit acceptance for hiding loan costs and setting borrowers up for failure. 
This is exactly what they have done to me. They are guilty of the consumer financial protection act of 2010. 
I'd like to get what I paid in along with my down payment that seems nonexistent on my paperwork.