davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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. (NV)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did not consent to these negative reportings ( XXXX missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX updated which damage was already done on XX/XX/XXXX.
Consumer complaint received 2024-03-24
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. (GA)

On several occasions, I have asked XXXX, XXXX and Experian to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Date of last filing : XX/XX/2019 Date terminated : XX/XX/2019 I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$16000.00} I.C. XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX  XX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERIS BANCORP (GA)

In accordance with the fair credit reporting XXXX XXXX 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 an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXX  charged off Accounts & a charged off account from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 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.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late payments
Consumer complaint received 2018-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Heritage Financial Group, Inc. (IN)

XX/XX/2018 XXXX from XXXX XXXX called a residence and either spoke to, or left information with someone that had no knowledge of this matter and has absolutely NOTHING to do with this matter. Now I do receive some mail at this address. But to actually call someone else 's home is a bit much. Besides mail I have no ties to this residence. Heritage practices these harassing tactics. I pay Heritage.  They want to me to authorize an automatic withdrawal from my account. And that will never happen. I pay {$100.00} a month like I AGREED TO. They want me to pay it twice a month for a vehicle that was totaled and doesn't exist anymore. The insurance paid what the vehicle was worth to them, and there was a remaining balance. I think I OWE alittle over XXXX. Hertiage takes advantage of people that need vehicles during desperate times. I had filed for bankruptcy and had little knowledge of a company such as this. They are nothing but opportunist and Bullies. I
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
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. (AZ)

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 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I bought a second-hand car with a loan from Toyota Financial Company through a Toyota dealer . I canceled my gap insurance. Toyota Financial Company customer service said the refund would be returned to my loan account, but I called today to inquire and they said the refund would be to Dealer, this is fraud. You said it would be refunded to my account, so I canceled it. Now I still pay for the loan, and you took away an extra amount of money,
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

Back in XX/XX/XXXX I opened a TD Bank Beyond Checking Account online under the terms provided to receive a {$300.00} sign on bonus. I met all the conditions ( hold a opening balance of {$2500.00} for 60 or 90 days and maybe receive certain direct deposits, can't remember specifics ) and even waited additional few weeks beyond the conditions but still never received it. 

Eventually I went in store to my local branch to follow up and they acknowledged I met all the conditions but claimed that my account never actually signed up for the bonus during account creation and there was nothing that they could do for me. However, I have and provided screenshots of proof of registering online for the account and the url shows there was a promotional " coupon '' for the specific product applied to my account creation. I transferred my remaining balances including the initial {$2500.00} on XX/XX/XXXX out of frustration and subsequently closed my TD accounts.
Consumer complaint received 2023-08-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (MA)

I had found a complaint online, so I called the third-party debt collector on XX/XX/XXXX. I informed him that I never received any information from this agency. Around XX/XX/XXXX I received a notice, saying the third-party debt collector did due diligence on my address, wants to transfer Courts. I have lived at the same address since XXXX and never received any notices from the original creditor or any third-party creditor prior XXXX. A Court Judgement was had without my knowledge of proceeding on XX/XX/XXXX. They are also saying I moved in the past few months to keep a claim. I never received a validation of debt that I asked for, or proof of claim. I received a notice on XX/XX/XXXX saying they sold the debt without any Due process of my rights, to the Law office of XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I reviewed my credit report and noticed accounts that I am not liable for the debt and do not have contract with these credit agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (ND)

I'm not in the financial stability to be able to pay the amount I'm in debt with the credit card XXXX XXXX XXXX dollars I need help in so close to the point of literally XXXX my apartment I need help
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp. (TX)

I opened 4 business accounts with Relay Financial ( relayfi.com ), the accounts were opened successfully and funded. I attempted to transfer the funds and the bank requested information on the transfer and I provided it. After review they indicated to me that all my accounts were going to be closed and I would be sent a check for the funds in the account ( XX/XX/2023 ). I was told the checks would be sent 3 weeks after the account was closed. I followed up XX/XX/XXXX and asked if the checks were mailed. They indicated to me that the account was closed on XX/XX/XXXX. I followed up again on XX/XX/XXXX that the check have not arrived and needed a ETA. I have waited an additional month after the arrival of the checks and send numerous emails to the support team without a response. I have also tried to call the support department and started to receive a busy signal. I learned that my phone number was blocked and I can only call from a different number or if I black my number from calling the support phone number. I have spoken with the support team and they indicated that the support team is researching and would be contacted. I have not received a response. The bank is holding over {$14000.00} of my funds that needs to be sent to me.
Consumer complaint received 2023-11-22
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (CO)

Checks can only be deposited via mobile deposit for my account, but mobile deposit limit was set to {$2500.00}. I had to deposit a check for {$3200.00}. The requested limit increase took three days to process, and the check deposit wont be processed until XX/XX/XXXX. The request to increase the limit and process the check was submitted XX/XX/XXXX. 

The payer I am in contract with had attempted an ACH verification on XX/XX/XXXX so we would not have to management payments via paper check. The ACH verification is still pending with this institution, putting an additional invoice scheduled for XX/XX/XXXX at risk of the same road block. This means I will have over {$10000.00} in pending invoices, {$0.00} in wages for myself through the XXXX season, and my business at risk due to unpaid insurance premiums while I wait for the institution to hold on completing any business functions. The institution is no longer responding to emails regarding my concerns.
Consumer complaint received 2024-03-24
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: Experian Information Solutions Inc. (WI)

There is an inquiry listed from XXXX XXXX from XXXX that I do not recognise listed on all three of my credit reports from experian XXXX and XXXX.
Consumer complaint received 2023-12-22
Product: Credit 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: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2023 I attempted to purchase two window installations from XXXX XXXX XXXX as a result of a door to door solicitation. However, the Company fraudulently charged by American Express Card for a deposit of {$8300.00} for window installation throughout my house. Additionally, I never received any windows from the Company. .I promptly notified the Company and American Express that I never authorized these charges. Furthermore, my credit limit at the time of the transaction was only {$4700.00}. To date, Amercian Express has refused to credit my account or provide an explanation as to why they would arbitrarily increase my credit limit to {$8300.00} for this transaction without my personal request, knowledge, and consent.

As a senior, I have never felt so violated and taken advantage of. To be clear, the Company has taken and refused to refund {$8300.00} for windows that I never received and American Express is refusing to credit my account. Adding insult to injury, my Amercian Express account is accumulating interest and late fees all to my loss and damage. 

Please so kindly assist in the resolution of this matter. I am seeking a full refund from XXXX XXXX XXXX to clear the fraudulent charges on my American Express card or a full credit of these charges by American Express and any further appropriate relief. 

Thank you for your attention to this matter.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CT)

XX/XX/ I received a U.S. Bank XXXX XXXX XXXX Card in the mail ... that I did NOT request and I did NOT authorize and I did NOT complete and I did NOT submit any information towards a new debit card or credit card. I am afraid U.S. Bank has stolen and obtained my personal information and financial information to use for fraudulent purposes. It is a SCAM. I will NOT contact U.S. Bank knowing they have stolen my personal and financial information. I do NOT want their U.S. Bank XXXX XXXX XXXX XXXX. I do NOT want them to keep or use my personal and financial information. I want U.S. Bank to remove/delete/purge my information from their system.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A charge off is considered a certificate of indebtness which means it is income and must be removed. 

This is also violation of my privacy under the Privacy Act of 1974