davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ( XXXX creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I believed there to be a billing error on my capital one present meant that I had received. I had mailed a written letter to capital ones billing error, dispute department, requesting all documents, ledgers, and notes pertaining towards the account. They in return decided to take a form of adverse action against me and simply close the account without any explanation except for that I had violated their company guidelines. I know that as a consumer I have the right to bring in a question about my bill at any moment, and that my account can not be closed. Im not sure what action if any you guys may take but I just wanted to have a complaint on record!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-07-15
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (DC)

In accordance with the Fair Credit Reporting act. The US Bank Home Mortgage  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following account US Bank Home Mortgage  # 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. 
I have politely asked US Bank to remove this account, this loan did not originate with US Bank, I did not agree on its reporting to consumer reporting agency.
Consumer complaint received 2023-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

I have been receiving text messages from a strange phone number stating that I owe money to Spectrum/Charter. I have handled these false allegations with XXXX and with XXXX. When I originally signed up for spectrum, I was receiving their services at my apartment complex for over 3 years. XXXX was then automatically shut off. I reached out to XXXX and was told that My apartment complex had turned off all Internet and cable service with XXXX XXXX  because the contract was not renewed. I was a little upset that I was not advised of the changes as payments continued to be paid to XXXX. When the changes were made, I was advised to return their equipment. Since their services with my apartment complex were no longer allowed a technician had to come into our complex to remove all cables and equipment ( professionally ) XXXX  customer service advised that the equipment can be handed to the tech support team or to be dropped off at the nearest XXXX store. All equipment had been returned. I spoke to multiple customer service specialist who advised that I did not owe any money to XXXX  because I had overpaid them, so some payments were mailed back to me. After all issues and changes were resolved. I started to receive calls from XXXX  again. I filed a dispute with my creditors and merchant advising them of the negative impact on my credit. XXXX and XXXX agreed that my allegations were valid and apologized for the inconvenience and deleted the negative charges. However, this issue is now back as I see that XXXX XXXX  has sold my information to a debt collector and the debt collector is obviously doing their job by trying to collect. I am so disappointed with these allegations as I continue to deal with an unethical debt collector. I am requesting to remove this debt from my credit report as this is an unethical sales tactic to collect debt that is no longer owed to XXXX  and it is not mine. Please I ask for assistance to have this collection company to stop harassing me and reporting false information to my credit. I am currently trying to move out of my apartment complex, and I CAN NOT do that when a collection company is reporting false information and lowering my credit score.
Consumer complaint received 2023-09-21
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)

The credit card account with XXXX XXXX XXXX was opened fraudulently and doesnt belong to me personally. Why is this negative information being reported on my Experian credit report. Ive expressed my concern about this issue with Experian and nothing has changed after I disputed this information several times.
Consumer complaint received 2023-12-04
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. (ME)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MA)

on XX/XX/XXXX my card was charged at XXXX XXXX  for {$84.00}, i immediately called XXXX XXXX  and they stated that it was a Gas hold and i would need to call Square Banking to have the hold removed. I called SQAURE for three days straight, they told me it was XXXX XXXX  that needed to release the hold, then they told me it was an actual PURCHASE. on XX/XX/XXXX i disputed the charge online. i provided documentation from XXXX XXXX  stating that the hold was released. SQUARE never called me back. I have been trying to contact them for three weeks and no one is answering. when i send an email they say they will call me back and never call. I emailed XXXX, XXXX, XXXX XXXX, and XXXX. all reps saying they will call me in regards to the dispute and have not responded. I need a response.
Consumer complaint received 2018-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently requested that the credit bureaus investigate errors on my credit report by mail. They were supposed to respond within 30 days, but they have not. I tried to call them to see what was causing the delay, but I couldn't even get a live person on the phone.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (UT)

So I have a XXXX  Venmo account that has a balance of XXXX in there of my hard earned money I went to make a purchase declined so I called and asked them what was going on they said the froze my account due to breaking the user agreement I then asked them how I broke it and got no answer I also asked why the froze the account without XXXX sort of notices so the steps I've also taken is sending them a demand letter of release of funds that I know they got and I can send over that info if need filing a complaint with you guys as well as the XXXX  this has caused late payment as well as XXXX point to my credit score because they are holding my money and will not respond to me
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-19
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

I reached out to the company and asked for a pay off balance the add me do another application to try to get an additional loan/ refinance the previous loan to pay off the old loan. Try told me that I will need add an additional collateral as well I only qualified for a little amount which wouldnt even cover the previous loan. I was told that the could lower my monthly payment which I had monthly payments but I paid by weekly so therefore the amount I paid never seemed to go down. I was told that if I paid by weekly I would pay the amount down faster which was a lie. I think I paid this loan for XXXX  year straight and the amount never went down. The interest is out rages I then wasnt able to pay doing it Covid. They called me several times to try to get me to modify the loan which kept me applying my credit score down and I was never approved and when I was approved the amount what wasnt. Enough to pay off anything so it still left me in the negative or should I say behind?
Consumer complaint received 2023-09-21
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. (FL)

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

Account Name : XXXX Account 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 2023-11-08
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

Mr. Cooper on XX/XX/2023 has locked me out of my account after a cyber security attack on their end. I am unable to format my payment arrangement or see up coming escrow and P & I pending payments to ensure they go through or are pending. I have attempted to reach out by phone three times, since learning about the breach for information, at one time, the number was disconnected and the others I got an automated message, with the same information about the breach. No representative from Mr Cooper has attempted to reach out to us in any form, to even acknowledge the breach. Being unable to ascertain what information was targeted, ( public records, mortgage information, banking records, payment arrangements ) I don't know what steps if any are needed to protect myself. Let it be known I never choose Mr. Cooper to handle my mortgage, myself like countless others had our mortgages takeovers from the financial institution we had originally choosen.
Consumer complaint received 2024-01-02
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. (NC)

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 XXXX 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 XXXX.
Consumer complaint received 2023-08-29
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. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report.
Consumer complaint received 2023-09-21
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)

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 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 2023-01-29
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. (HI)

In accordance with the fair Credit Reporting Act XXXX ( XXXX XXXX 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 States A Consumer Reporting Agency can not Furnish a account without my written instructions
Consumer complaint received 2023-04-28
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. (SC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$4000.00}.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Well, I got a notice from XXXX XXXX that an account was opened in my name ( Capitol One ) and I went to Capitol One and was told that the account is with Walmart. I went to Wal-Mart to dispute the account and was told to file a police report, I'm just trying to stop the fraudulent account and I just got hit for XXXX points for an account that I didn't opened.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

This is Reference XXXX XXXXXXXX, is the latest reference number provided me from filling out a complaint, again with the online citi checking customer service department in regards to the below complaint. 
I deposited XXXX into a new Citi checking acct on XX/XX/2023 for XXXX promotional bonus to be deposited to account in 50 days ( by XX/XX/. ) Maintaining minimal XXXX minimum balance was required which was done. Prior to setting up the new checking account and transferring the large sum of money of XXXX to citi, I had citi employee verify over the phone that I met ALL critieria for this promotion including carefully checking the dates of any prior accounts ( existing and closed ) to make sure that I met all criteria related to any prior accounts, when they were opened, etc. The employee assured me, after reviewing m files and the promotional requirements, that I definitely met ALL criteria and was qualified for the promotion as an existing citi customer. So, after she reaffirmed this to me over the phone emphatically..I went ahead and set up the new account with her and transferred the XXXX money to citi. 
Citi received and accepted my money, under this promotional offer and opened my account under this promotional offer, having full record of any/all of my prior citi accounts as well as having reviewed them over the phone prior to setting up this account for me and having me transfer the XXXX to them. Once the required promotional time passed for my leaving the XXXX balance in in the account, the bank did not credit my XXXX promotional amount. Instead they kept giving me the run around, repeatedly telling me that I had met all the requirements and were putting in a 'request ' to their 'back office ' to get the promotional amount credited to my account. Then the 'back office ' would mail me a generic letter saying that I did not qualify because I had a prior opened account within 180 days prior to the aforementioned promotional checking account being opened on XX/XX/2023. They now state that I 'did n't ' qualify for that promotion because of the prior account having being opened within 180 days prior to the promotional account. This is NOT what the employees told me that helped me set up that account, apply that promotional code to that account, and helped me transfer my XXXX 'loan ' to citi XXXX in good faith. I am not responsible for citi employee 's being properly trained, citi is.I am not responsible for 'bank ' errors, citi is. I performed in providing citi with XXXX in money for the required time and now they are reneging and not performing on what they promised me, in good faith which is XXXX to be credited to my checking account. Can you please help me? 
Thank you. 
XXXX XXXX XXXX