davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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)

XXXX XXXX  is reporting an account on my credit file despite receiving a letter from me requesting the removal of the account and providing documentation several times. The account is fraudulent, and they have not removed it as requested. They continue to report incorrect information regarding the account balance. This violates my rights, and I am concerned about the impact on my credit score.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

the said creit reporting agency NEVER provided the legal documents that should be on file FRM EACH FURNISHER WHO REPORTWED ON MY CRDIT PROFILE AS WELL AS EASCH FURNISHER WHO PULLED MY CREDIT RESULTNG IN A HARD INQUIRY ON MY CREDOT REPORT
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX BANK 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 2024-04-13
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. (CA)

FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) requires that if a credit reporting agency ( CRA ) XXXX previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within XXXX business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the XXXX who provided the information.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6o2 states I have the right to privacy 15 USC 1681, section 6o4a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2024-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc. (IL)

Called today and received threatening notice that they wont take my payment I tried to make two payments was denied and told they will not take any payments towards my mortgage! Unless they get the full payment. I was making two payments for two months and they told me no I need to make next month payment or we not excepting anything. This is a violation against FHA rules. I know my facts I know my rights I am able to make a payment and they will not allow me to make a payment towards my mortgage telling me that I need to make three months of payments. I am not three months behind. I was making two months payments, and they will not accept my payments and told me that no theyre not accepting my money when I make the payments this is not fair this is not honest this company XXXX XXXX XXXX XXXXXXXX  and I dont understand how a mortgage company can not accept payment when you are making and trying to come current on your mortgage, please help
Consumer complaint received 2023-03-10
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)

I want you to remove the following accounts as these are violating the FCRA 605B of the U.S. Code 1681C-2
Consumer complaint received 2024-04-13
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. (PA)

In accordance with the Fair Credit Reporting act. This list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Accounts name # XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX *** XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA XXXX Accounts name # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) Accounts name # XXXX XXXX ( Equifax XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX Accounts name # XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX XXXX section 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681 section 604 ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1681 section 623 ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NC)

Discover Credit Card closed my account on XXXX because I did not update my data, and when I contacted them, they informed me that they had sent me an email on XXXX. 
I informed them that I thought the email was a scam and that is why I did not contact them, knowing that no one from the company contacted me by phone or by letter, and they closed my account. I asked them to file a complaint, but they refused at first. After that, they informed me that the complaint had been filed on XX/XX/2024, number XXXX. But no one contacted me
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (LA)

This is an old cell phone account from 2015. The account is old and when I switched over my phone service from XXXX to XXXX, I was told that my old phone would be paid for from XXXX which actually did happen. Therefore I don't owe anything from that XXXX account on a second note the account is older than seven years, so it should not be on. credit report
Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (NY)

I was informed this company has added extra fees to my policy without my knowledge. 
My account is currently stating I owe the full amount taking out on the loan, when I made several payments on the account already. I was unable to continue with payments and now it it is collections for full loan amount. I went through hardship they dropped my credit score, making me ineligible for any lines of credit to continue to pay bills. 
Years XXXX {$12000.00}
Consumer complaint received 2024-04-13
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. (SC)

XXXX XXXX and XXXX XXXX XXXX XXXX are reporting my transaction & experience with them. Reporting my transaction & experiences is in violation Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On my Experian Credit Report my XXXX  XXXX XXXX Credit Card is showing account under dispute due to the Fair Credit Billing Act. I did not file this dispute there must be some kind of mistake.

Also my Experian Credit Report is showing the following message Your total credit limit decreased by {$7000.00} Your credit limit decreased from {$7000.00} to {$0.00}, which typically means either a lender decreased your credit limit or you closed a credit card account.

My XXXX  XXXX XXXX Credit Report is still open why did my score drop XXXX points?
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wire fraud issue. 

Pushed {$25000.00} on XX/XX/XXXX. This was reversed. Someone fraudulently posed as a partner company and invoiced our company, XXXX XXXX. 

We pushed {$25000.00} again on XX/XX/XXXX as the scammer indicated they had provided the wrong account. This payment went through. 

We have not heard back as they indicated we would in 10 days after requesting a recall. 

We need help!
Consumer complaint received 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MN)

Sometime between XX/XX/2018 I contacted Santander to make the XX/XX/XXXX payment by phone using a credit card. The company refused payment, claiming they don't accept credit cards. I advised that I have a XXXX XXXX XXXX & the credit card is my only option for payment for the next few months. Santander advised that I find a way to pay using the card elsewhere when I complained that I should have been told this when the loan was offered. I contacted the company again in XX/XX/XXXX to explain that the credit card was my only option for payment & I would be late on payments until I could figure out how to use the credit card/get cash off it to transfer to Santander. I asked that they explain the terms of the penalty for late payment & the rep advised that the car isn't repossessed until at least 120 days past due & even then, there is a program to prevent repossession when significant hardship exists ( such as a XXXX XXXX XXXX ). However, that rep was not referring to the state laws where the vehicle was repossessed & a repossession notice was sent in 30 days to the old address XX/XX/2018 because the company failed to update the address when I contacted them to update it in XX/XX/2018. I found out about the letter ( XXXX letter, state of Minnesota ) when I called to modify the loan XX/XX/2018 & learned the car was " up for repossession ". I was then told that the company would work with me to resolve the payment issues without repossession. On XX/XX/2018 the car was repossessed while I was sleeping overnight & the company 's reinstatement rep advised that because I " missed ONE call '' 4 days prior, that they " thought '' they weren't a priority & repossessed the car ''. Not because I actually defaulted on the loan or told them I would default but because they called & didn't get to speak to me due to my being in meetings /driving & them not calling to follow up more than once, they repossess the car & tow it over an hour away because they assumed they were unimportant & could take the collateral for the loan.
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: EQUIFAX, INC. (FL)

In accordance with the FairCredit Reporting act XXXX 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 15 U.S.C 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
Consumer complaint received 2023-02-19
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. (NY)

XXXX, Equifax, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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. (NJ)

I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Citi denied a card after saying i i was pre-aprroved.If they saw my credit report they saw the bankruptcy. Algorithm needs fixed or an exam needs to review this process. 3 of ther 4 denial reasons say bankruptcy from many years ago. I have 6 cards, i XXXX XXXX XXXX XXXX  card. credit i snot an issue, they have me blackballed. Consumer harm to my credit report. Called and reported. Citi needs to review their application process, make it fair, and this seems to be an in fair practice or UDAP...... definitely need an examination team from the west region to review hwo they process pre-approvals and denials. Seens to be a disconnect. screwing consumers over is a not a good business practice. 

I have a less than 30 % debt to income, i pay no taxes so my gross is my net, and my last 5 years of credit is perfect. Again they seem to be providing much consumer harm. As one would expect from a citi card with what seems little to no compliance oversight, or board reviews., Just from me talking to them once. See attached denial letter. Ridiculous 3 of the 4 reference bankruptcy, 1 would be appropriate, 3 is abusive. 

I would have consumer stay away until remedied.
Consumer complaint received 2024-04-13
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. (IN)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-13
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: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has a policy of approving transactions on expired cards if they are a subscription. this is Fraud as Amex is approving unauthorized charges from a merchant that doesnt have current account information ( I.e. incorrect expiration date, incorrect CVV ). In talking with their reps - we all agree I didnt authorize the charge and American Express assumed I wanted them to go through. I did not
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

I never finish pay the loan because the interest, I pay XXXX a month, buet is just the interest. I do not want to lose my car because of this, I think I pay the loan XXXX times. 
I need help please with this issue. I have health problems and I can not make payments. 
I borrowed XXXX but the interest is a lot. Loan Star Title Loans on XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Please I need help.
Consumer complaint received 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TransUnion 1. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (KY)

I have received repeated phone calls from Phoenix Financial Services ( aka PFS LLC ) that shows up on my phone as Spam. When I finally answered there was a long pause and a woman finally tried to prounounce my name but was barely able to get it out -- my name isn't that hard. I asked her to tell me who this was and to pronounce my name correctly. She started to argue with me and say she did prounounce it correctly ( she didn't ). I asked her to remove me from her list and to stop calling. She continued to argue with me and then hung up. 

This is a debt collection firm and I do not have any outstanding debts.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and XXXX