davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (FL)

I received an alert from the credit bureau indicating that Vance and Hoffman LLC placed a collection on my report dated XX/XX/2022. The original creditor is XXXX XXXX XXXX. This company was sued in multiple states including the state of FL for illegal and fraudulent loan practices. The court ordered XXXX XXXX to notify all consumers who were affected and to remove negative information from their reports. Additionally, I filed a fraud claim with the credit bureaus a few years ago which resulted in a deletion from my report from XXXX XXXX XXXX. I notified the collection company and indicated that they have the wrong information. I did not receive any correspondence or calls from Vance and Hoffman LLC. I called and requested documents to be sent to me. Vance and Hoffman LLC violated the fair debt practices by not informing me in a timely manner. The representative indicated that XXXX XXXX XXXX removed the balances that were ordered by the court, but she is stating that owe the company money which is incorrect.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-08
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. (GA)

On XX/XX/24 I wrote to transunion to have some inquiries investigated and removed. I spoke to the company and were told to dispute it with transunion. Transunion never responded to my investigation and it has been almost 60 days this is unacceptable.
Consumer complaint received 2023-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (IL)

On XX/XX/2023, I applied to open a CD account with CIT bank online through their website CIT.com I entered all of my personal information. After the website processed my information, the website said that my request to open an account was denied. I have called the CIT customer service several times asking for the reason my account was denied. The first said they did not know, and that I would get an email explaining why in the next few days. I never got an email so I called again on XX/XX/2023. They said there may have been a problem verifying my information, but the answer was vague. I asked for a reason to be provided to me in writing. They said they would send a letter in the mail to me. I never received a letter. 

I checked all three credit bureaus to see if there was an issue with my credit. I confirmed my credit report was clean and that I have a high score. I want to know why I was rejected by CIT because I am concerned there may be something incorrect on a consumer report that I do not know about. I want CIT to tell me, in writing, why they rejected my application and tell me what consumer reports they looked at to make the decision to reject my application.
Consumer complaint received 2024-04-08
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies Transunion, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (FL)

I have filed a dispute with Equifax to remove and delete the account, XXXX XXXX XXXX XXXX, reporting amount of {$27000.00}. Opened on XX/XX/XXXX. Account number is XXXX. I submitted documentation to verify my identity. They requested a copy of my social security number and a copy of my drivers license. I have provided them this information 3 times and they have still failed to remove the fraudulent account from my credit file, and continuously send me repeated letters, requesting the same information that Ive sent multiple times, with different mailed out dates, without further resolution or an update about my dispute. I have faxed this information to them on XX/XX/XXXX at XXXX. I mailed the same requested information to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-05-06
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. (AZ)

Transunion, Despite the fact I have mailed letter showing my balance and the company I have credit with has notified them they continue to report the incorrect information XXXX XXXX MY BALANCE IS {$180.00} Transunion as repeatedly reported {$310.00} I am so stressed out and if not resolved will get a lawyer these people should not be allowed to control the XXXX XXXX XXXX credit in there hands. The government needs to shut it done You fix one thing and they add something else, its like a radar they try to keep ppl in poverty when they see you improving. 

My original bal XXXX payments monthly XXXX dollars Transunion show 16 payments how could they even think the balance they show on report is correct. 

My balance is XXXX
Consumer complaint received 2024-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2024 a customer of mine paid me for products that he received then went behind my back to dispute the charge so that he could get the money back without me knowing that he filled a dispute with his bank. I reached out to the customer and he claims he has no recognition of him filling a dispute. I reached out to cash app to see what I could do and they advised that since he disputed the charge with his bank, cash app had to give the money back. So now Im out of money and products over a false dispute which isnt fair on my end.
Consumer complaint received 2024-04-02
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)

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX SC, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-08
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. (PA)

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXXXXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I XXXX XXXX, has been in communications with Capital One for several months regarding overdraft fees. These fees have been charged on my Capital One business account during a national pandemic and crisis. XXXX XXXX was heavily impacted by this and has resulted in lower income to XXXX  XXXX account. Upon speaking with more than three representatives in management, I was declined help with this matter several times. They would tell me they waived {$140.00} in overdraft fees, but will not waive any other fees. They informed me that this situation would be escalated and Ill get a phone call from a representative. I never received a call as of yet from them and thats been over two months ago.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MA)

I had a bill of {$2300.00} issued to be by bilt mastercard ( wells fargo ). I paid {$2300.00} but forgot the remaining {$30.00}. When I received my bill on XXXX that remaining value was charged {$22.00} in interest. I don't understand why this is when my APR is 25.49 %. 
I called the customer service line of wells fargo to fight the charge but they told me that the XXXX is charged daily, 24.49 % every day. I told them it's an annual charge not a daily charge and this has never been advertised to me as a daily charge because the name itself implies annual. 

I think this is predatory and they're misleading customers to gain profit.
Consumer complaint received 2024-04-02
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-04-30
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. (VA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Sent certified letters to Experian on XX/XX/2023. They received them and sent me an email today saying they are not doing anything as they look like they didn't come from me. This has happened multiple times with Experian. They are just stalling so they do not investigate. These accounts in dispute are not in Metro 2 compliance and they are just ignoring their responsibility to correct.
Consumer complaint received 2024-04-02
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. (OK)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services (KY)

I am just due for the current months payment, so not even XXXX days past due, and in a matter of XXXX days I have received XXXX phone calls from this company, as close as an hour and a half apart, to collect the debt. There is no reason at all to call a customer XXXX times a day to collect a debt, especially with the times so close together. Their collections tactics are harassment.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-02
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

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 XXXX
Consumer complaint received 2018-08-03
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: OpenRoad Lending (AL)

I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX  AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.