davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Found out that I was part of the Equifax security breach and I was wondering why my credit was acting the way it was real funny stuff the last few years and I've had to go through the freezing and unfreezing and stuff was on my credit report that's not even there it's I've never even heard of among a lot of other things.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TrueAccord Corp. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX  ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge.

* I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX  is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you. 

Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, 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. 

My current address is : [ XXXX XXXX XXXX XXXX SC XXXX ]
Consumer complaint received 2020-09-17
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. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-09-15
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. (TX)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (PA)

In accordance with the FCRA XXXX XXXX # XXXX ...., has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2023-12-26
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. (WI)

I have recently disputed a XXXXXXXX XXXX  account # XXXX. This account is fraudulent and is not my account l. I've disputed XXXX and asked for proof and also the credit reporting agency. The response back from the agency is they have verified the account. 

15 USC 1681I ( 7 ) method of verification This law demands proof of the investigation that took place to verify the account. 

If the credit reporting agency can not provide it they must delete the account.
Consumer complaint received 2023-12-26
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. (MD)

XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I bought a car from XXXX XXXX XXXX  and I was unaware that my information was given to Credit Acceptance! I did not give them my signature nor did I give them my social security number. They are reporting late payments on my credit report when I never did business with them in the first place.
Consumer complaint received 2023-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I received information that my credit had a debt collection owed. It stated that Transworld Systems Inc Account # XXXX was taking over an account from XXXX. I had no recollection of this account or debt. I sent a letter on XX/XX/year>, to the po box address for Transworld, requesting for them to provide information that this debt is mine and to please respond within 30 days or they would have to remove this debt from my credit. After 30 days I was not given any information and debt was still on my credit report. I contacted Transworld on XX/XX/year>, and was told they received my dispute and are still working on sending information. Today is XX/XX/year>, and still haven't received any documentation pertaining to this debt being mine.
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX  account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # 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 a account without my written instructions.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT addresses that should be deleted are XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. the 3 credit bureaus to validate these accounts. 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  XXXX XXXX XXXX : {$530.00} XXXX XXXX XXXX XXXX Balance : {$610.00}
Consumer complaint received 2023-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (UT)

On XXXX XXXX, I attempted to deposit XXXX $ into my Navy Federal account via XXXX XXXX ATM Machine. It subsequently ate {$600.00} of those dollars before eating my card, and not deposting the funds. After a complaint to both XXXX XXXX branch, and Navy Federal, we were denied reimbursement. That amount taken by the banks is no small amount in our household, as an XXXX XXXX family hurts our monthly bills. After the complaint was filed they close the claim with no transparency to us.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681a - Definitions ; rules of construction Exclusions except as provided in paragraph the term " consumer report '' does not include any report containing information soley as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2024-05-10
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: GOLDMAN SACHS BANK USA (MD)

I was attempting to dispute a charge I made with a company that did not produce an invoice when requested multiple times. Consistent with the TOS, I disputed the charge as too high, but not the full amount. Upon reading the terms, I was entitled to a full refund. 
The disputed charge was {$1200.00} on XX/XX/23 with my Apple Card. The company promised to provide me with an invoice. After months of trying to get XXXX from them, I gave up and requested a dispute. 
I have been trying to explain to XXXX XXXX that the full amount is in dispute. It's been months going back and forth so I could really use your help
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like XXXX XXXX XXXX XXXX removed from my credit profile this account is paid in full and was supposed to be deleted if paid I was agreement for paid to delete offer this has a impact on my credit profile from me purchasing a home a this is very important this be removed I have did few complaints nothing has been done this is a hold up and purchasing a house is very important to my family and I
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (TX)

I have tried to contact this company for the last 3 weeks. When you call you get someones personal voice mail and when you use the website to request you get and error message that tells you to try again.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDEPENDENT BANK CORP. (MA)

XX/XX/year> I received XXXX overdraft fees of XXXX each. I called my branch asked to speak with manager who was out. The rep I spoke with when I asked about crediting my fees said she wasn't authorized but would have manager call me next day. I asked if I made a mobile deposit that day if I would incur an additional fee & she said no the deposit would go through first ; I asked her 3 times. She gave me incorrect information as I received another {$35.00} fee. Next day I called branch again & was told manager not in - different employee again who was extremely condescending to me ; just asking questions that made me uncomfortable. I then called customer service line & was given XXXX {$35.00} credit & was told message being sent to branch manager & they would call back next day. No call - I called & finally spoke with manager - wouldn't credit the fees & was extremely rude-I told her how I was given wrong information- she didn't care. Then she proceeded to give me more wrong info about why I got the fees. She was so rude I asked to speak with her boss- XXXX XXXX district manager. She said she would call me right back. 10 days later & no call- this is horrible service they don't care how much they charge & have no respect for the customer at all. I didn't receive the documentation about the why the fees incurred until one week later.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My personal information got leaked in the Equifax data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, due to suspicious activity on my report. I reached out to Equifax and was advised them fraudulent items could not be removed due to me not send enough supportive information although Equifax are the ones that breach my information. I then asked what additional information was needed to have the identity thefts items removed and was advised they could not tell me that as their system determines what supporting documents are sufficient to have identity theft items removed therefore they are solely now going to go on the word of the debt collector which is completely illegal.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

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 XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.