davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX dispute letters were sent to all three credit bureaus Equifax, XXXX, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access. 

Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return. 

I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account. 

I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.
Consumer complaint received 2022-10-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 2023-09-26
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: SYNCHRONY FINANCIAL (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-28
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)

in accordance with the fair credit reportingact XXXX  account # XXXX XXXX XXXX has violated my rights 15 U.S.C1681section 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 2023-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (KY)

On XX/XX/XXXX my account with PayPal was perminantley limited resulting in XXXX being held for 180 days. however that money is for my daughters medical treatment and need it released ASAP because this can result in my daughter loosing her life. I have tried asking if they will just let me withdraw my funds and they won't even allow that. Please help me.
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid off both of my capital one credit cards 6 months ago. 
I was charged a membership fee that I was unaware of for both of my cards in the amount of {$19.00}. 
Since I do not use these cards anymore, but left them open to build my credit, I had no idea that they were delinquent and now past due. 
Capital one didn't reach out to let me know this until 2 billing cycles had past and it was now reported on my credit as a 30 day past due which brought my score down significantly. 
I immediately called capital one and settled my accounts and they are all paid, they even removed the late payment, but the damage to my credit score is already done. 
I worked really hard to rebuild my credit and have not had a late payment in years and years. 
I feel it is unfair that my score was damanaged due to something I didn't even know was happening until it was too late. Can this please be removed from my credit?
Consumer complaint received 2018-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings (CA)

XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.
Consumer complaint received 2023-11-28
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. (KS)

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 2023-11-28
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 have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WI)

The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX : Account Number : XXXX Creditor : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2023-11-28
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)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-28
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. (IL)

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 : XXXX XXXX XXXXXXXX XXXX : Act. # XXXX XXXX XXXX XXXX : Act. # XXXX, XXXX XXXX XXXX XXXX : Act # XXXX, XXXXXXXX XXXX XXXX : Act. XXXX XXXX XXXX XXXX XXXX XXXX : Act. # XXXXXXXX XXXX XXXX  : Act. # 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.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 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (UT)

XXXX credit card. XXXX XXXX. Autopay bug. 

I had autopay for my monthly balance set up for the end of the month. I had a balance of {$9700.00} due. The autopay went through as planned. The next day they took out an additional {$9700.00}. A total of over $ XXXX. 

I then had overdraft on my other bills with it being the end of the month. I called to remedy this and they did not accept or tell me why there were XXXX payments only that I had called before. I had called before to confirm the balance amount only. 

XXXX, told me that it would take 10 days to return my money. I then asked to cancel the card and she told me that I would forfeit any benefit owed me for cash back offers. I then asked to speak with her supervisor but there was no one. She was the supervisor ... 

I was very kind and know she was not at fault personally, but this puts me without money at the end of the month, no overdraft remediation, my credit being impacted on my report, and a very long time on the phone.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

For the last year I have been back and forth with the credit bureaus about a portfolio account that is reporting on my credit report that does not belong to me. The credit bureaus keep responding stating that I should contact portfolio because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with portfolio which I did onXX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according the USPS tracking, and they still have not responded to me and the account is reporting not once but twice on my credit report.
Consumer complaint received 2018-08-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc. (TX)

In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.
Consumer complaint received 2023-12-07
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. (TX)

I appreciate you making the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Consumer complaint received 2023-11-28
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. (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 XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (TN)

This company identifies themselves as Radius Global Solutions. The same agent continues to call me twice daily, always around XXXX XXXX and again around XXXX XXXX, now for the past 2-3 months and counting. I continue to block them, but they always use a different number each time they call. The number always begins with ( XXXX ) XXXX. I have a list of these numbers, if needed, in my blocked callers list on my phone. I have asked them to stop calling, but they continue like clockwork. This is a violation of FDCPA guidelines and is pure harassment. I need this stopped.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I have disputed this deb on several occassions with this company. In my requests I have asked the company to provide me with specific information pertaining to the debt they say I owe as well as provide me with information giving them authority to collect this debt and report it negatively on my credit report. This company has not fulfilled my request, yet they still are reporting negative information on my credit report. I have advised XXXX that they are in violation of my rights in writing on several occasions yet they still report negatively on my report.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only 1 credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a )
Consumer complaint received 2023-11-28
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. (MS)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, 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 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 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (IN)

I have contacted this company on several occasions requesting them to STOP report information on my behalf as the information being reported is not accurate information. The company has failed to cease and desist the reporting information and has not corrected or updated its records. The information this company has gathered on my behalf is not accurate.