davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I recently pulled my credit report XX/XX/2024 and noticed that some items on my report are inaccurate. And according to the Fair Credit Reporting Act 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. 

These Accounts XXXX [ XXXX XXXX XXXXXXXX ] Account Number : XXXX XXXX [ XXXX Account Number : XXXX Are not complete and accurate. 


[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, this account is not accurate. 


[ XXXX XXXX ] open date is not reporting correctly, last report date is not reporting correctly, balance is not reporting correctly, past due amount is not reporting correctly. This account is not accurate.
Consumer complaint received 2023-12-06
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)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

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 2024-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

there was fraud on my account and they gave me a provisional credit, I did not authorize this amount, they said I did and took the money back out of the account causing my account to be in the negative and refuse to look into this and reopen the case with the evidence I have. I have filed a small claims suit against keybank
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (IL)

World Finance and XXXX XXXX continue to report an allege debt that is not owed. The debt has been canceled out reported as income to the IRS. Under the IRS publication income can not be reported to the credit bureaus.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have had a Capital One Quick Silver ( Cap One ) credit card since XXXX XXXXXXXX 2023. They solicited my husband, he accepted, and requested a card for each of us. To avoid late fees and unnecessary interest fees, I only charge purchases that I have budgeted cash for, and I pay it off when Cap One posts the payment. 

Several times I have made a payment and Cap One put a hold on it. I called them bewildered and inquired why they would put a hold on my payment. They said the payment must be verified. Further bewildered I asked why when my checking account was with Cap One as well as the credit card. I got both departments of Cap One on the phone so my checking account could be verified by the credit card division as having the allotted amount. I thought then the credit card division would notate that on my account and release the payment and post my full available credit line of {$500.00}. 

Instead, my account was put on hold most recently on Tuesday, XX/XX/XXXX according to the rep for 25 days until XXXXXXXX XXXX, 2024. During the holidays when I needed my card the most it was unavailable to me for no good reason. Plus, I had a death in the family and had to travel to North Carolina on Thursday, XX/XX/XXXX. I called and asked Cap One to please release my credit so that I could rent a car and go to the funeral, and they refused. So I had to drive my own vehicle and put over 600 miles on it plus wear and tear instead of being able to rent a vehicle. 

After I had made a payment on Sunday, XX/XX/XXXX, of the full balance of {$380.00}. On XX/XX/XXXX it said the full balance was made. Then it said the full balance was made on XX/XX/XXXX. Additionally, I had learned that I could also make a payment of 10 % above the posted payment amount to give myself a little extra credit. So, on XX/XX/XXXX I made another payment of {$38.00}. However, the lesser amount got posted as an overpayment and could only be used after I exhaust the full credit limit. 

On XX/XX/XXXX I thought I had sufficient funds and swiped the card for a roundtrip railway and subway fare only to have my trip home on the XXXX declined. Several times Cap One has put a hold on my payment for 24-48 hours, but when I called them and went through the verification process, the matter is usually resolved. 

On Monday, XX/XX/XXXX I called Cap One and told their rep I had death in my family and needed to travel to North Carolina and wanted to rent a car and use the card for gas, tolls, etc. She had me on hold for almost an hour before telling me that a hold needed to stay on my account until XXXX XXXX, 2024 to verify the funds. The rep told me that it was not them but the system that had put a hold on my account and they could not override it. Even after speaking with a manager I got the same response.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX  XX/XX/2024 ; XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK XXXX ; XXXX XX/XX/2024 ; XXXX XX/XX/2024.
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Splash Financial, Inc. (OH)

I applied for a loan with Splash Financial in XX/XX/2023. The application process required uploading various documents, including a paystub, driver 's license and bank statement. I made multiple attempts to upload each document, but had a difficult time completing this upload requirement. Since I could not upload my bank statement, I asked for a work around ( eg, sending the statement to a general inbox ), but there was no alternative option for submitting documents. This became a source of frustration for me. 
On XX/XX/2023, I spoke to a representative, who attempted to provide assistance. He was very professional. However, through our phone conversation, it was discovered that an incorrect email was input into the system. I was told that anything submitted in error could only come from the customer 's end. I asked if they could change the email, but the rep said it was not possible and that if I wanted to move forward with a new loan I would need to withdraw and resubmit the application. I agreed to this. 
After my application was withdrawn, I created a new account and reapplied, but the system rejected my application. 
I am upset about what happened for several reasons : 1. I was highly inconvenienced in this process while attempting to submit documents over the course of several weeks. This turned out to be a waste of my time.

2. The application process was inflexible and had no mechanisms in place to receive my documents in an alternative manner.

3. The company ran my credit as part of the process. My credit took a hit with a hard check and now I am left for the moment with nothing.

While Splash Financial has appealing loan offers, the company needs to do a better job of streamlining its loan application process so that the experience is more seamless, instead of a hardship.
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-09-14
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. (GA)

Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (OK)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I request for the removal of unauthorized fraudulent inquiry ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ) from my credit report, which I believe is truely fraud and unapproved. After a thorough review of my credit report from your agency, I have identified this inquiry that require immediate removal. The Equifax Credit Bureau shall be rely on this issue and be removed this fraud item immediately. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the unknown inquiry from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of this unknown inquiry once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. I would rather ask for your assistance to remove this inquiry. This XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX is unauthorized and be assist me to removed it in my credit file.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (FL)

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$29000.00} is INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Consumer complaint received 2023-09-01
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)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX I requested a review and paid the associated fee with XXXX XXXX XXXX ( the servicing company at the time ). I called many times asking about the appraiser coming to my home or the option of having my money returned. In XXXX of XXXX, after no solution and multiple contacts, I decided to reinitiate and again paid a new higher fee to have my home and account reviewed for the removal of PMI, no action from the servicing company occurred. In XXXX of XXXX, I was notified that my loan had been transferred to Newrez. After the transfer settled I contacted Newrez who confirmed that they saw the funds and requested PMI removal from the prior servicer ( XXXX XXXX XXXX ), however, I would need to reinitiate the request for PMI removal and pay a new fee with them. I submitted the required documentation and fee ( my bank demonstrates the check was deposited on XX/XX/XXXX ) and advised I would have a response in 30 business days. I contacted them the second week of XXXX and was advised there was no status update, and I contacted them today XX/XX/XXXX, again nothing showing on the status. Each time I called Newrez or XXXX XXXX, I was told they had submitted an inquiry on the status update, and that it was up to XXXX XXXX. As of tomorrow, XX/XX/XXXX, it will be a year, I have been attempting to get an appraisal or BPO for the removal of the PMI from the two servicing companies for over {$600.00} spent and no response to removal or not, and they have held the funds associated with the PMI request.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-26
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 reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX