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 — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (TX)

I reviewed my credit report and found hard inquiries from the listed companies on the attached file. Unfortunately, I have not been monitoring my credit as I should, but I did not approve or give them permission to run my credit.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX 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 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I reported XXXX XXXX  on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their pdf to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IN)

Ally Financial was supposed to give me a non-disclosure form that gives me the option to opt out giving my personal information to any third party affiliates but they didn't do that. 
Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. Dear Ally financial, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Good morning to whom it may concern, on XXXX XXXX, I check my three bureau credit I see Jefferson Capital System send me to a debt collection I dont know anything about it! On Monday XXXX XXXX at XXXX I gave them a call I spoke to XXXX XXXX agent id number is XXXX. I told him kindly I dont know about this debt I have been have XXXX carrier for over five years and Jefferson capital system send me to a debt collection I dont even know about I want them to remove this collection to all my three bureau credit. The guy I was talking with told me I have this debt I told him if I have this debt why did Jefferson capital system change the date of the debt and they know they shouldnt be doing this its illegal because they know they shouldnt change anything from the XXXX  carrier! Dispute the collection with all three bureaus credit and Jefferson capital system hope CFPB help me fix this problem please and thank you Sincerely XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX and # XXXX and also Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-20
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 (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX and # XXXX and also Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nt treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (HI)

On XX/XX/2024. My debit card was stolen without my knowledge at a bar. It was then used to charge to an unknown company for {$1400.00}. It was then used again, charging me {$110.00}. To a company called XXXX XXXX XXXX. The person then charged my card to a seperate company soon after. Company named XXXX XXXX XXXX for XXXX amount of {$680.00}. This was not to my knowledge until I checked my account and DID NOT AUTHORIZE the transactions Wells Fargo messaged me about. I filed a claim about it immediately after. The claim had ended on XX/XX/2024 determining that an error did not occur and have sent me a letter in the mail with additional information about their findings. Now I am being overdrafted with absolutely no money in my account.
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. (NY)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

( MISSING ACCOUNT ) -XXXX  XXXX XXXX XXXX XXXX Open Date : XXXX. XXXX, XXXX Account # : XXXX XXXX XXXX : {$53000.00} Updated Balance : {$48000.00}. ( INACCURATE STATUS ) -XXXX  XXXX XXXX Date opened : XX/XX/XXXX Account # XXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ), i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you update my payment status to PAID AS AGREED NEVER LATE ( XXXX ) immediately
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This account was charged off on XXXX on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX 120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX XXXX it is showing 6 Potentially Negative Months, On Equifax it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with my XXXX XXXX account, as reported on my credit report. 

The report shows one instance of a missed payment for this account. However, there are several months where no data is reported at all, leading to an inconsistent and potentially inaccurate record of this account 's standing. 

According to the Fair Credit Reporting Act, all data reported on a credit report must be 100 % accurate. In this case, due to the inconsistencies and potential inaccuracies, it appears this standard has not been met. 

These inconsistencies are negatively impacting my credit score. I respectfully request your assistance in rectifying this situation by removing this account from my credit report, due to its potentially inaccurate reporting. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following Equifax Inquiries XXXX XXXX XX/XX/2024 the Following XXXX inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IA)

These accounts i want deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Equifax wrong name
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NJ)

In accordance with the Fair Debt Collection Practices Act LVNV FUNDING LLC & XXXX, XXXX, XXXX XXXX XXXX, XXXX Attorneys of Plaintiff XXXX XXXX XXXX XXXX XXXX, Florida XXXX has violated my rights. 

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

2. 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. 

3. It is Fact that LVNV FUNDING LLC is a debt collector as defined in the Fair Debt Collection Practices Act specifically 15 USC 1692a ( 6 ) because they are attempting to collect an alleged debt. 

4. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 5 ) for using their logo indicating that they are in the debt collection business ( See Exhibit A/A ( 1 ) & A ( 7 ) ) 5. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 2 ) for stating that affiant owes an alleged debt ( See Exhibit A/A ( 2 ) A ( 5 ) & A ( 6 ) ) 6. It is in Fact that LVNV FUNDING is in violation of 15 USC 1692e ( 2 ) ( A ) for using a false and deceptive character for the alleged amount due ( See Exhibit A/A ( 3 ) ) 7. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692d ( 1 ) for threatening to harm my personal reputation over and alleged debt ( See Exhibit A/A ( 4 ) ) 8. Its is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692j ( a ) for intentionally furnishing deceptive form ( See Exhibit A ) XXXX. It is a Fact that LVNV FUNDING LLC is in violation of 15 USC 1692b ( 4 ) for communicating with affiant by postcard without the expressed direct permission of affiant ( See Exhibit A )
Consumer complaint received 2024-01-18
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (OH)

They didn't provide me with the original contract so I would you someone help remove these false informations out of credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX. The people in charge of Truist Bank are monsters. 

XXXX. I have XXXX Truist credit cards, including XXXX ending in XXXX. 

XXXX. I timely scheduled my payment that was due in XXXX XXXX 

XXXX. My routinely kept notes reflect this. 

XXXX. Due to an apparent glitch with Truist, the payment did not go through and there is no record of the payment. 

XXXX. When I went back and to schedule a payment on XX/XX/2024, I noticed that XXXX months ' minimum payments were due and I made the payment for both months '. 

XXXX. A late fee of XXXX dollars posted on XXXX XXXX, 2024. 

XXXX. I called on XX/XX/2024, and requested the fee reversal, stating that I did in fact timely schedule the payment and that I was previously never late. 

XXXX. I spoke with XXXX, who said that because I had previously closed the account that my request would have to go to a supervisor. 

XXXX. After a lengthy hold time, supervisor XXXX in customer service went to see if he could get the fee waived for me. He said he could not because the account was closed. 

XXXX. Truist does not disclose to its customers that it actively discriminates against customers with closed accounts., including at the time when customers close the accounts. 

XXXX. Truist also discriminates against customers with closed accounts by refusing to allow payments to be made online after XXXX days. They clearly want to make things difficult for their customers and increase the likelihood of late fee revenue by forcing payments to be made through slow and inconvenient methods for no reasons other than Truist 's animosity and greed. 

XXXX. There is no reason for Truist to discriminate against customers with closed accounts by refusing to waive fees that they would otherwise waive for customers with open accounts, except Truist 's animosity and greed for fee revenue. 

XXXX. I made the right decision to close my Truist account and now want to close the other one as well.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED CAPITAL ONE REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY PROFILEXXXX, XX/XX/year>, XX/XX/year>. I HAVE NEVER BEEN LATE. 
I CONTACTED CAPITAL ONE AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. CAPITAL ONE AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF CAPITAL ONE FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.
Consumer complaint received 2018-02-27
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)

Hard Inquires on my credit report that shouldn't be there XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my account.
Consumer complaint received 2024-04-14
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account but was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates : XX/XX/2023 and XX/XX/2023. I am requesting you investigate and provide verification proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (CO)

We have a 3.5 % fixed rate mortgage. The bank that held the note recently sold it to another bank, at about half the face value because interest rates have increased so dramatically. I would like to buy the note but cant. It would be stupid to pay off the principle balance, but if I did the bank would have to unbundle the note and release it. Thats exactly what I want them to do, but at fair market value, not face value. This would effectively guarantee a risk free 3.5 % return on my investment and greatly simplify my retirement cashflow planning. This isnt about XXXX XXXX, it is about leveling the playing field for consumers.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I signed up for internet web-hosting a few years ago. About 6 months ago I cancelled the service. The company is still billing my card. The company doesnot provide telephone access any longer ( starting from XXXX ) and the chat system they provide as an alternative does not work. 
The company is called XXXX. 
The credit cvard company will only provide a phone number but tat number, as I mentioned earlier, does not work. 
I have no way to cancel my account an the credit card company will not deal with pendoing charges.