davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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 2023-04-24
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: EQUIFAX, INC. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

1. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
2. XXXX XXXX XXXX  XXXX the debt collector is XXXX, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - XXXX - Please delete this item immediately. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 data is inaccurate.
Consumer complaint received 2024-05-07
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: Navient Solutions, LLC. (CA)

Navient is a creditor I have never taken a loan out with. I filed a complaint about a year ago and no resolution was solved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All three parties were not involved in the process and things with the loan. Principal Debtor, Implied Surety, and creditor. My next step is to submit a Notice of exoneration, Bill of equity.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 usc 1666 correct late payments this account was paid in full please update the late payments XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I see multiple violation statements which I strongly to be misleading and misrepresentation of my credit history. 15 USC 1681-XXXX purpose ( didnt provide consent to furnish account/ if I did provide written consent or remove. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian has not completed a reasonable investigation under FCRA and this is a violation of my rights. I submitted a dispute to Experian via certified mail regarding verification of a re aged account from department of defense from XXXX. This account was removed from my credit profile back in XXXX and reappeared on my credit report in XXXX. Experian received the dispute on XX/XX/XXXX via certified mail and I have receipt of my certified mail and a copy of my letter. 60 plus days have passed and I have not received a letter regarding the verification of this account. There is multiple inaccuracy the way this account is reporting on my credit profile. 
The account number is wrong XXXX XXXX XXXX this is the first XXXX numbers of my social security, which has been compromised. This is the wrong information and Experian has failed to properly do a reasonable investigation according to the FCRA. 
A reasonable investigation has not been conducted on this account in a 30 day period. 
After receiving my dispute I was not notified via mail that the account was in dispute status, nor was it updated to dispute status on my credit profile. 
Experian has violated my rights in the treatment of inaccurate of unverifiable information.
Consumer complaint received 2024-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (OH)

Citibank is where my accounts were hacked. 

XX/XX/scrub>XXXX XXXX XXXX  my checking account was hacked. Hackers changed the email address and password. Put wire transfer feature. Put in 2 new payees. Made 2 wire transfers to their new email account and domestic bank account. The transfer was made by a XXXX XXXX to an account at XXXX. 

He tried a third transfer that was denied. Citicorp denied that one. ( Thank goodness ) The wire amounts were for {$1900.00} and {$2000.00}. 

I reported the fraud of unauthorised wire transactions for investigation and was denied a refund. I appealed and was again denied, even thought Citibank knew that my account had been hacked. Citi said that the wires were authorized. The fraudsters had hacked 2 credit cards the same day. They refunded me on one account but not on the other. 

Citibank has all the documentation to indicate that it was fraud and unauthorised wire transfers.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CO)

My student loan servicer is Edfinancial. On XX/XX/2023 or 335 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan 5 or Loan E. At this time Edfinancial transitioned from one website to another website platform. The payment I made on Loan 5 or Loan E never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued.

I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial gave me for the payment. This loan should have been paid off in full in 2023.

I received a 60 day delinquency notice for a loan that I already paid off in full. I am not paying a penny more than i owe on these loans.

Recently i found out that Edfinancial took that money and put it on Loan 4. I never consented for that money to be placed on Loan 4. I literally call Edfinancial on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''.

It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial is a complete nightmare to deal with.
Consumer complaint received 2024-04-20
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. (ND)

I have identity theft and companies say they are investigating. After investigation, they claim info is accurate and verified. They do not provide how their false investigation comes to that conclusion. I have identity theft and nobody will listen
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$150.00}
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

ORIGINAL COMPLAINT WAS SENT XX/XX/22 TO MIDLAND FUNDING {$590.00} I REQUESTED TRACKING INFORMATION TO COMFIRM THE VALIDATION NOTIFICATION WAS SENT PRIOR TO REPORTING IT TO MY CONSUMER CREDIT REPORT AND RECEIVED BY ME ( SIGNATURE ) WHICH IS MY RIGHT UNDER THE FDCPA AND YOU ARE IN DIRECT VIOLATION OF THAT RIGHT. 
COMPANY REFUSED TO REMOVED THE TRADELNE UNTIL PAYMENT IS MADE BY ME HOWEVER WERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED BY ME? THIS ACCOUNT WAS SUPPOSED TO BE REMOVED WHILE UNDER DISPUTE AND IT WAS NOT REMOVED.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Atrocious Experience with Citi Diamond Preferred Card Terrible Card! Don't be fooled! I always receive an invite in my mail box about this Citi Diamond preferred card back in XX/XX/XXXX and that they are offering 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. I was convinced to avail. Now today, XX/XX/XXXX I was not even close to the 21 months of using it, but they already charged me exorbitant amount of money for the interest amounting to {$60.00} which makes my minimum payment of due of {$93.00}. I tried calling their customer service rep on the phone and even had the chance to talk to his supervisor to explain to me how this happened, they said I was offered 21 months in the mail by XX/XX/XXXX but as what they are seeing in my account, the 0 % APR is only good for 18 months. I asked them why would they advertise 21 months with 0 % APR for all their platforms but not stick to it and just give customers like me only 18 months. THEY CAN'T EXPLAIN THAT! I asked if It's because of the credit worthiness? For I do not have any late payments. Again, THEY CAN'T EXPLAIN THAT! They just told me that I will receive a letter within 7 business days about the dispute I am asking them. Very Bad customer service and very Atrocious Experience with the Card and their personnel! Beware of this Card! I want to file a formal complaint of misleading information. I would also like to know if they can remove this amount they put for my interest rate this month and still be able to get the 21 months 0 % APR like what they have been advertising all over their platforms. Thank you.
Consumer complaint received 2024-01-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

These cards are an absolute joke, I tried to talk my mom out of getting them for XXXX gifts, but she thinks they're just like money. They are NOT. I've literally had to soak the card in soap and water just to get a glimpse of the actual number. I activated the card just as it instructs, online and called the number. I can not believe these instruments are even authorized to be currency. I'd love to see a balance sheet with these companies on how much is received vs spent because they are that hard to use. Especially since the amount has to be equal to or under the value of the card. Which almost always leaves at least money left on the card that will never be used by the recipient.
Consumer complaint received 2023-08-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've disputed these accounts, I have proof I've disputed these accounts, it has caused me and my family hardship, I want to be paid for financial relief, hardship and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

On I discovered ( MRS BPO , LLC. ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately
Consumer complaint received 2024-05-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (WY)

was contacted by individuals claiming i needed to settle a debt that i am unaware of and do not have showing on my credit at all. when i asked about the company they were with they stated they are XXXX XXXX XXXX XXXX and were representing Easy Money about a debt that they supposibly contacted me about but they would not send me any information and told me they would see me in court.
Consumer complaint received 2022-11-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (VA)

I recently noticed a hard inquiry from Wells Fargo XX/XX/2024 on my credit report, which I did not authorize. Upon discovering this unauthorized inquiry, I contacted the number listed on the credit report. However, they requested my social security number, which I was unwilling to provide. Consequently, I filed a complaint with XXXX. 

XXXX promptly responded the following day, indicating that Wells Fargo claimed to have obtained my permission. I unequivocally deny ever granting such permission. This unauthorized inquiry has adversely impacted my credit score. 

I am seeking assistance to have this negative mark removed from my credit report and, if possible, to pursue legal action against Wells Fargo for this unauthorized access to my credit information