davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
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)

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on XXXX ), ( but identified differently on Equifax as account # : XXXX and differently on XXXX as account # : XXXX ) and also account number : XXXX ( as identified on XXXX ) ( but identified differently on Equifax as account # XXXX and differently on XXXX as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2018-10-22
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. (NV)

" " '' I have disputed this Charge off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Called many many times over the past year and capital one fraud would always tell me they are investegating. This was very straight forward repeating pattern. They would give me the money back into my account and I would tell them in about 15 recorded messages that just tell your XXXX guys and they can stop this. I was transferred from Dept to Department but never to a real individual that understood what I was telling them nor it seems that they cared. Happened about six times -- - the exact pattern with different merchant name -- I told them a junior XXXX person could write a simple algorithm to stop this. I probably have 5 to 8 hrs. of recorded messages saying the same thing. Finall came upon a person that cared. she said the {$10000.00} should have been ( Ibelieve ) plus XXXX XXXX since they deposited two amount that equaled XXXX XXXX She said about 4 months ago she would take care of it. Nothing happened. I went to a local Capital one bank about6 times in past two months -- they have put in requests as well as NON -Compliance reports based on their policies. Nothing You call fraud and they tell you over and over they will put in another request.
Consumer complaint received 2023-07-13
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: Regional Management Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-13
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: OneMain Finance Corporation (FL)

Inquiries not authorized : XXXX XXXX XXXX, XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has lowered my credit score..CFPB please step up and remove the error
Consumer complaint received 2018-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (DC)

I am writing to express my deep concern and disappointment regarding the denial of the Equifax Data Breach SettlemenXXXX. The repercussions of this denial not only affect the affected consumers but also raise significant questions about accountability and justice in cases of data breaches. 

I am writing to express my deep concern and disappointment regarding Equifax Data Breach Settlement, filed on XX/XX/2023 and no response as of today. Despite my clear evidence and confirmation that my personal information was impacted by the data breach, my claim was denied on the basis of not being a member. 

The Equifax Data Breach had severe consequences, resulting in the exposure of sensitive personal data, including mine, which subsequently appeared on the dark web. 

This negligence has exposed me to potential identity theft and financial risks, highlighting the substantial impact on individuals whose data was compromised. 
I firmly believe that the denial of my claim overlooks the essence of the settlement, which was intended to provide restitution to individuals whose personal information was compromised due to Equifax 's negligence. My direct exposure to the dark web due to the breach confirms the impact on my personal information. 

I appreciate your prompt attention to this matter and request a reconsideration of my claim in light of the undeniable impact the breach had on my personal information. 

Thank you for your time and consideration.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-24
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)

I ask XXXX, XXXX XXXX, Equifax to take bankruptcy off my credit report and they decline to take it off. Also the private credit ( XXXX, XXXX XXXX, Equifax ) reporting agencies are monetizing off my report. I very upset because my credit is effected, my family is suffering with this problem. I stress out and this has made me very XXXX  ... On the United States Bankruptcy Court Northern District of Texas does not report information to credit reporting agencies...... So they took my information to monetizing...... .this violated Fair Credit Reporting Act 15 U.S.C 1681 c ( a ) 1 XXXX account # XXXX # XXXX Equifax account # XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (UT)

Citi claims they sent me a card. They have not only NEVER verified any information when opening this account but has NEVER verified any information when calling about this account. At no time has anyone verified any PII with me and XXXX documentation has been provided except the fraud Citi has committed. I never received it but, there are over {$7300.00} in charges that no signed receipts have been provided when requested. This bank does NOT follow compliance. They have failed to provide any evidence on their investigations and have violated the FCRA and XXXX. They have sent me multiple communications, each one with a different name of the collection agency they sold my PII to. Which company actually has my information or is 3 different companies. 

By the way, I've never lived in New Jersey, yet the company they sold my information to illegally changed it which tells me that they're part of an identity theft ring.
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (PA)

EQUIFAX INQUIRES 8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2018-10-22
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I am a victim of identity theft, and someone impersonated me and financed a motorcycle without my permission. This loan account was reported to TransUnion, and TransUnion refused to remove this account from my credit report although police report and FTC ID theft report were all provided to the agency.
Consumer complaint received 2023-03-11
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. (NV)

XXXX credit card belonged to my X husband and they are holding me accountable. They are lowering my credit score by posting delinquency. I never signed for this card or had a card or used it. This was his debt and he passed away. Please remove or correct this from my credit report. I called and they will not remove my name. Account # XXXX, XXXX XXXX.
Consumer complaint received 2023-06-19
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/2021, I purchased a XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ). The suggested manufacturing price was {$32000.00}, however they added values until the purchase totaled {$53000.00}. Below I detail the concepts and values : 1. Something they called the XXXX XXXX was added and I can not identify exactly how much it was but according to what was discussed with the seller it could have been between {$5000.00} and {$7500.00}. 
2. Theft Deterrent Device, XXXX XXXX ( optional and which I was not told about ) worth {$990.00} 3. XXXX XXXX XXXX, xzilon ( optional and which I was not informed of ) worth {$790.00}. 
4. Debt Cancellation Agreement ( optional and which I was not informed of ) for {$850.00} The next day I was able to look at the contract in detail and when they sent me a survey to evaluate the purchase, I informed them of all these values with which I did not agree, but they never gave me a response. 
I feel disappointed and cheated by this seller. For XXXX years I have been paying these amounts plus interest and they do not solve my problem.
Consumer complaint received 2024-03-21
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. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-07-13
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: AMERICAN EXPRESS COMPANY (FL)

Inquiries not authorized : AMEX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- not my account showing charged off XXXX of XXXX but still shows missed payments till XXXX of XXXX as if account was mine or even open. This account is not mine I have no knowledge of this account. It is also being reported differently to each credit union different last payment dates charge off dates and other mismatching information. This account is not mine and needs to be removed please help.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXX XXXX XXXX XXXX XXXX VIN : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit one application only, and that they only had power of attorney / permissible purpose for one inquiry to Ally Bank because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of seven ( 7 ) times to two separate institutions ( Ally XXXX and XXXX XXXX XXXX ), and also provided me with an adverse action letter for in-house financing, making eight ( 8 ) total deposits. Ally Bank received six ( 6 ) of those deposits, as evidenced by their own correspondence ( attached ). 

The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of eight securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. 

The Federal Reserve Act, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per 12 USC 1441 ( g ) ( 2 ). Since none of these applications were returned to me, and since ARS 47-3202 allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. 

As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. 

I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Aspen Yo LLC (KY)

I was selling my property in XX/XX/XXXX, I requested payoff from Gregory Funding multiple times beginning in XX/XX/XXXX. These requests were submitted online, through email and USPS. Requests were also made by the Title Company and banks ... with no response.

Somehow Gregory Funding had the mortgage ONLY in my late husbands name, even though my name is on the property title. 
All parties involved agreed to proceed with the sale and use the payoff amount listed on my XXXX XXXX. The Title Company also withheld {$2000.00} from the sale to cover any additional costs that may arise.

Gregory Funding received the payment with documentation that it was payment in full for this mortgage... .the payment was deposited. Closing date was XX/XX/XXXX. Since this time, Gregory Funding has never released the mortgage and sends a company out every month to take pictures of the property and continues to accrue charges on the account for insurance and these pictures. We hired an attorney, because Gregory Funding refuses to speak with me until I sign a form accepting responsibility for the mortgage ... ..they are now saying I owe an additional $ XXXX on top of what was reported on the XXXX. The attorney asked for documentation on this amount and they have not provided any documentation. We tried to offer a settlement of $ XXXX to make this all go away and their attorney agreed in XX/XX/XXXX, but the updated agreement was never produced and their attorney has quit answering any calls or emails from our attorney. Mortgage on file at courthouse does not reflect any of the information that Gregory Funding has stated. They continue to send people out to the property to take pictures that has been sold for over a year and a half. They continue to send mailing to the Estate of my husband, but there is no Estate and never was. This company has caused much XXXX  and stress in an already stressful situation.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I made a previous claim because the system of thebank is not allowing me to access to my online banking. I created the user ID and password at the branch when I opened my account on XX/XX/2023, then my account was locked for security reason, I was requested to send my passport and utility bill. I sent it and that lock was removed. So I treid to access using the same credentials but didnt work, so I called custoemr service and I was informed that I need to enroll again. I tried several times but never workd. I submited a ticket and still under review XXXX. 
My pin is correct, because when I call customer service the system identify and verify me, so the pin is not the issue. Also I tried 2 different phones to received the access code and also doesnt recognize. 
I dont know what is the error. Also I contacte XXXX XXXX ( the lady who opened my account ) and she said that she cant help, once the account is opened the online banking issues are fixed by the main office.