davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXXXXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose reporting lates XX/XX/XXXX AND XX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  GA XXXX Re : File Number : To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information.

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 
Regards, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

Ive been calling this company for over two months because I cant access or monitor my credit file at all and no one can access it. Ive been a victim of identity theft and I cant even sign up for monitoring services. Ive called over and over and they kept saying give them 72 hours and itll be back online and active and it still didnt 2 months later. Im requesting an investigation into this company for misinformation and mishandling people information and credit file. They say the office of consumer affairs is handling my file but all I ever get is someone over seas who doesnt speak clear English and say they can transfer me and they are the highest point of contact. I had a potential employer that I lost out on because they cant access my credit file so thats a salary of {$150000.00} that I lost out on. They say contact their business office but that department have no idea what they are talking about when the employer tried to reach out
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never gave CRA authorization to provide my private information in accordance with 15 USC 6802! My privacy has been violated, and it is your responsibility as a transfer agent to take these accounts out of my consumer report.
Consumer complaint received 2024-01-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-05
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

LVNV funding has a fraudulent collection in their office under my name! I have sent them on several occasions supporting documents showing without a doubt that this is not my debt! I sent them an FTC Affidavit Aswell as Notarized ID THEFT documents. Also a letter from the original creditor was sent showing this debt was found to be the result of fraud! LVNV conveniently received everything in my packet I sent but somehow supposedly never got my notarized documents. Everything was sent in the same packet! For the XXXX time this is not my account! LVNV bought this debt from the original creditor and is wasting their time trying to collect on this fraud debt! I will if need be contact my lawyer and have a lawsuit filed against LVNV for failing to cease collection attempts and not remove this from my credit. My lawyers contact info is as follows ( XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OK)

I received a letter from XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX stating I owed {$1900.00}. On XX/XX/XXXX I called and made a payment arrangement to pay over 6 months- 6 payments in the amount of {$320.00}. My first payment was made on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the Oklahoma Tax Commission stating my {$490.00} tax refund was applied to my debt. I called to confirm they advised it was. I then asked if I now owed {$1100.00}, and I was told because of fees that I owed {$1300.00}. They refused to tell me what the fees were for or send me an invoice breaking it down. On XX/XX/XXXX I called to find out the total balance owed I was told it was {$1300.00}. I paid the full amount on XX/XX/XXXX and requested a letter be sent to me stating the the full debt had been paid. I received a letter on XX/XX/XXXX stating the payment of {$1300.00} had been applied but now I owe {$1000.00}. The total debt was {$1900.00}, I have paid them {$2200.00}. They are now demanding another {$1000.00} from me. I have proof of all payments.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I had my complete credit file pulled and there were incorrect collections on my report. 
XXXX XXXXin account # XXXX XXXX XXXX account # XXXX in the amount of {$870.00} and another account from XXXX XXXX account # XXXX in the amount of {$4500.00}. I have spoken with each agency and was told it would be corrected however neither account belongs to me.I have no knowledge of these accounts and would like them to be removed.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank for about 20 years charged my late husband and me {$17.00} fee/mo. on our checking account. Since we were automatic deposit clients -- my husband 's monthly check from his place of work was automatically deposit to our checking account each month -- no fee should have been charged. 
This summer I emailed on XX/XX/2023 and phoned in complaints to Citizens Bank branch in XXXX RI. Citizens was unwillling to reimburse me beyond 4 monthly fees, but they actually owe me over {$16000.00} for about 20 years of monthly charges for a fee when they shouldn't have.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Date of Birth : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, MS XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , MS XXXX The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (IL)

I have been trying to get stop payment and a new cashiers check reissued to me. US Bank has made this process VERY difficult and time consuming. The check issued was damaged due to one of THEIR bankers negligence and discrimination towards me and no bank or check cashing institution will honor it now. I called US Bank and was informed to wait 15 calendar days before I can get a new one.The check was issued XXXX XXXX  and I called XXXX XXXX. And of course each representative I spoke with has no clue on how to process a stop payment and send me a declaration of loss form. I have called multiple times and each time my problem is not being resolved and I'm being told, " I'll call you back after I speak with my manager. '' and each time I was never called back. The lack of regard for consumer funds is astonishing with this company. This bank has caused me so much turmoil & now my personal day to day expenses are being impacted. Bills are being late, I'm having issues paying things on time I feel so helpless. How can you tell the consumer to call and report the problem but no one is capable of fixing it and has to call other people?
Consumer complaint received 2023-09-25
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-04
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 XXXX Account name : XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX FL ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$4700.00} ; XXXX XX/XX/2023.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.
Consumer complaint received 2023-09-25
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.