davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-04-11
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)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX   Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in violation!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
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 have asked the credit bureau to change my address to my current address and they will not change it. I do not get any mail at XXXX XXXX XXXX, XXXX, Tx XXXX My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2023-05-21
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed these account numerous time to end Transunion states they verified the accounts but according to law 15 USC 1681b I Never received a XXXX on any of the accounts they are reporting nor did I give anyone permission in writing to report these accounts on my report
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America I had to move my money m XXXX XXXX XXXX  was cloned through XXXX XXXX and XXXX  dating They use my faceprint to log into my bank They are using XXXX XXXX  to make fraudulent transactions through XXXX XXXX  on my XXXX I think its a federal lawyer XXXX and XXXX and a federal lawyer XXXX XXXX XXXX XXXX I have no case no record and owe no money to tax or debt this is theft through ID fraud I already contacted XXXX and XXXX and BOA Basically I am hacked by fraudulentl payments via XXXX and also XXXX XXXX XXXX XXXX Its FBI making deductions for their own pocket or ID theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above are some of the names of women trying to use my accounts
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MA)

I purchased a vehicle, XX/XX/2020. The financial lender that was selected by the dealership based on the rates was, Huntington National Bank. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in Massachusetts . This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. Huntington national bank offered me a payment deferral plan, I believe in XXXX of 2020. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over XXXX points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to me.
Consumer complaint received 2023-03-21
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$26000.00}.
Consumer complaint received 2023-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Hello Any advice would be great. 
I have an XXXX Credit Score. 
2 of my three credit cards, with one company, closed my account ( s ). 

With a high credit score, I also use my credit cards on a regular basis and my income has not changed.

Therefore, none of the typical three reasons to have a cc closed comes into play. 

I never had a reason to call my cc company for years. However, in the last two weeks, I had my cc declined two times. With {$13000.00} limit on one and {$17000.00} on the other, it shouldnt have been declined. Paid on my cards 5-8 times a month just so I never had a bill. 

So yes, I was mad when I called. About the cards. The workers laughed, made jokes and I got more mad. 

I was a great or excellent customer and not only should not have been treated this way about the declines, nor the final step of cancellation happened. 

Do I have any recourse? 

Even a small claims court attempt? 

I believe they took my words and ended my account. 

The worst part is the cards were also with Amazon and Southwest Airlines and I earned tons of points. That was important to me. 
Sounds a little like my freedom of speech were the cause. 

Any advice would be appreciated. 

Thank you for your time. 
XXXX
Consumer complaint received 2023-10-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Im still having problem with Citi Bank ( shop your way ) credit service. Im being charged extra fees when my account is not over the limits, I paid on my account 4 days late, I was charged usual late fee plus increase in monthly payment along with the late fee. When I called to speak to a representative, he had a hard time explaining the extra fees. 
Since complaining about Citi Bank they closed my shop you way and NTB accounts. My NTB was paid on time and never late. However, they closed both, they bill me extra fees.
Consumer complaint received 2024-04-11
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. (GA)

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681 section 602, emphasizes the importance of consumer reporting agencies acting with fairness, impartiality, and respect for individuals ' privacy rights. Both Equifax and XXXX fall under the category of consumer reporting agencies, and as a consumer, I am concerned about the protection of my private information, which is supported by 15 USC 6801.

Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only disclose consumer reports with the written consent of the individual concerned. However, neither the financial institutions nor the consumer reporting agencies have my consent to share this information. Therefore, any consent previously given, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to third parties without offering consumers the option to opt out of such disclosures. However, I was never informed of my right to exercise this option by the financial institutions. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, Equifax, XXXX and XXXX are reporting adverse items without my consent, which is against the law. 

According to 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, consumer reporting agencies are required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specific purposes. However, Equifax, XXXX and XXXX are not maintaining reasonable procedures in this regard. 

Additionally, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time. Therefore, I am formally opting out of the reporting services provided by Equifax, XXXX and XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

They claim that I owe Barklays Bank Delaware the sum of {$16000.00} as of XX/XX/2023. The bulk of these charges are as a result of identity theft and fraudulent use of my credit card number by a person identified by Barklays Bank fraud investigators as residing in the state of Ohio, a state in which I have never resided nor more than passed through on the interstate on my way to the XXXX XXXX. 

I have made numerous attempts to resolve this, with their collection department and fraud division and get no results. They have been sending my statements to an address in Ohio where I don't live nor does anyone I know live, and when I first learned of these cash withdrawals ( something I never do ) they cancelled my account, issued a new card, transferred all of the fraudulent transactions to the new card and allowed the fraudulent person to make more transactions on the card. 

I have no resolution to this problem, and now they have referred this entire amount to a collection agency for collection- they have ruined my spotless credit report by false reporting of my non-payment of this account
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (CO)

I have medical Bills on my credit report from the Bureau of Medical Economics that I shouldn't owe. I was visiting Arizona from Colorado and I ended up having a ruptured XXXX XXXX  that I had to get seen for in the hospital. I had Colorado Medicaid at that time and I never even recieved an original bill stating that I owed anything. I found out by lookin at my credit report. Having this on my credit is impacting my score and life negatively. Please help me get it removed.
Consumer complaint received 2023-05-02
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)

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS
Consumer complaint received 2023-05-01
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: Resurgent Capital Services L.P. (NJ)

The company is LVNV funding that has put on my credit profile two accounts alleging I owe them. I have contacted them through mail and phone explaining I dont know who they are and have never entered into any contractual agreement with their company. I further requested validation of any debt via a contract containing my signature in which they have not yet produced. I also explained that this is damaging to my credit profile prohibiting me from obtaining future credit thus creating a hardship for me. I explained Im well aware of my consumer rights and laws and they are in complete violation and need to be held accountable these are the account numbers acct # XXXX and acct # XXXX. Thank you
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP (OH)

I had put in a application for a personal loan of {$5000.00} on XX/XX/2023 and I spoke to multiple people about it. I was told that I was going to get a call back within XXXX hours and I still havent heard anything. I have called everyday to speak back to them and everytime I call the person is always busy during different times of the day. I have some information written down for the person I was suppose to speak with but its been going on for XXXX weeks now and nobody has said anything else to me about it since.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (MD)

AARGON COLLECTION AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$930.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo denied 1 of 2 claims from merchant but both claims are the same thing. Same merchant same problem, unauthorized and no services were received but the want to deny my claim 3 months lather and are taking money from me!
Consumer complaint received 2018-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently obtained my credit report through TransUnion in XX/XX/XXXX & noticed I had 9 unauthorized hard inquiries on my credit report. I contacted all the companies and after speaking with them they looked into there records and were unable to provide any proof of these inquiries. I sent a letter to TransUnion on XX/XX/XXXX in order to get them deleted, I never heard back and contacted them through phone again on XX/XX/XXXX and they were not willing to help me. I have listed all the unauthorized inquiries below along with dates. 

-XXXX XXXX on XX/XX/XXXX -XXXX  on XX/XX/XXXX -XXXX XXXX XXXX via XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XXXX  via XXXX on XX/XX/XXXX -XXXX XXXX via XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX