davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (OH)

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

Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX KY ) Account # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : XXXX 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 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 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

i am not liable for this debt with I.C. SYSTEM, INC, an do not have a contract with I.C. SYSTEM, INC, An they did not provide me with the original wet ink application like I asked.
Consumer complaint received 2023-08-31
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. (NJ)

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 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION (CA)

On XXXX my brother passed away. I notified the the Bank of Hawaii on XX/XX/XXXX of his passing. on XX/XX/XXXX his XXXX went into his Personal Account and withdrew {$72000.00} out of his Personal account thru Online Banking and put it into there Joint account. On XX/XX/XXXX I notified the Bank Of Hawaii that my worst nightmare just occurred someone needed to call me. 
I explained to the Bank that she had no right to withdraw any moneys out of the account as she wasn't on the Signature Card or had XXXX XXXX XXXX  or was a XXXX of the Estate. I couldn't understand why they would allow this to occur. 
The Bank finally did a inquiry into where the money was withdraw from and show it to be from their Home in which she transferred the money for His Personal Account to their Joint Account and them onto her Personal Account. at that time the Bank asked me on XX/XX/XXXX to have a Affidavit for Collection of Personal Property of the Decedent signed and Notarized with i did the next morning and e-mailed them a copy of the Documents and also put the hard copy in the mail to them in which they received the hard copies XX/XX/XXXX. 
The Bank said the following Due to XXXX  presentment of an original and valid Affidavit for Collection of Personal Property of the Decedent, we have no further ability to deduct or retain funds. How can a Bank allow someone who has no rights, No Signature Card on File, Not the XXXX  of the Estate or the XXXX XXXX XXXX withdraw money out of the Person that Passed away.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MO)

A personater from Chime took information from me when I thought it was the original Chime provider to request a XXXX XXXX loan. The personater took various information matters from me ( social security number, state ID info, and social internet info, other debit cards info ) they then proceeded to take money out my Chime account. They robbed me of money out of my account.
Consumer complaint received 2023-03-10
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. (AR)

I sent in an FTC report to notify Equifax of fraudulent items on my report and they refuse to remove them. The fraudulent items are two accounts named XXXX - XXXX XXXX {$3000.00} and XXXX XXXX XXXX XXXX {$1800.00}.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been banking with ING direct for a long time to get best interest for saving account. ING direct have given us interest as promised never tricked. In XX/XX/XXXX, Capital one bought ING direct and converted our accounts to Capital One 360. They have been managing same way till XXXX. We got under the impression that they are doing the same as ING direct. In XXXX all of sudden they created another type of saving account ( 360 performance ) for better interest and brought down interest on this account without any information. We always thought what ever account we have is giving the best interest they are showing on their website. Only this year we realized that our account type is giving lowest saving interest. for the last 3 years we received lowest interest possible. We believe they purposeful did this trick by not informing. ING direct always very straight forward and maintain only one type of saving account. Capital One never bothered to inform when they introduced new type saving account. Like us lots of customers would have lost interest because of this trick. I have lost lots of money because of this trick by capital one. Can you please help us resolve this issue. Please let us know if you need any details to prove this Thank you
Consumer complaint received 2023-08-31
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 2023-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (RI)

I noticed on my credit report that they reported a half payment as 30days late on my report says I am behind {$13.00} XXXX then reached out and told them I was applying for a mortgage and it they could please remove that and they said no they would not work with me then I told them I am a XXXX XXXX  of the XXXX  and I was protected by the SRCA act and they still refused to work with me so now because of the 30 day late payment and such I can not get approved for a mortgage as I am a service member I am upset they will not work with me and total disregarded the SRCA act
Consumer complaint received 2023-10-31
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. (IL)

Due to the absence of the REINVESTIGATION process from the credit bureaus end, I insist on a quick deletion of those derogatory items from my records. I kept reaching out to these companies for a couple of months this year XXXX, because of these numerous inconsistencies they have furnished on 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 XXXX XXXX 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 2024-04-21
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 XXXX  XXXX XXXXXXXX XXXX ACCOUT 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 : XXXX. XXXX15 U.S.C. 6802XXXX  - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - 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 2023-12-21
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. (CA)

HI MY NAME IS XXXX XXXX, I BECOME A VICTIM OF IDENTITY THEFT. I WAS CHECKING MY CREDIT REPORT AND I NOTICE FEW HARD INQUIRES THAT DOESNT XXXX TO ME. PLEASE HELP ME TO KEEP MY PERSONAL INFORMATION, AND PLEASE DELET HARD INQUIRES THAT I MENTION BELOW. 

XXXX XXXX XXXX XX/XX/XXXX SETTLEMENT ON. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-21
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. (NJ)

Dear Sir or Madam, My name is XXXX XXXX, please contact XXXX credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity.

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights. 
I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - XXXX XXXX
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One offered a {$350.00} new account bonus ( Promo code XXXX ) when certain conditions met ( direct deposits, etc. ). 
The prior deadline bonus eligibility for applying/opening an account was shortened to XX/XX/XXXX 
I applied and finished everything at XXXX PDT XXXX, but was told they need to process a few more things before opening. 
Received an email XXXX PDT saying " The application you submitted for a new Capital One 360 account, which was in a pending state for review, has been cleared. This means you can now proceed with your application. '' Saw this email about XXXX same day. 
Proceeded with application, which was regarding account funding ; prior to submitting I noticed that it said " The promotion code has expired ''. 
I immediately called customer service ( XXXX PDT ) and spoke with Nat XXXX After verifications were done, he said to go ahead and submit the funding and that Capital One could fix the timing issue regarding the {$350.00} bonus. I followed his instructions, opened the account, but it came back again saying " promo code expired ''. 
XXXX put me on hold XXXX PDT to call specialists, he came back XXXX PDT to say sorry they can't apply the promo code as application not finished until today ( after expiration ). 

I was misled by agents at Capital One, it's not my fault they couldn't finish the application in time. I definitely started the application and performed all necessary tasks in order to open the account prior to the bonus expiration deadline.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/2023 I responded to a pre approval email and applied. The application was paused and it said I would receive a letter in the mail in XXXX to 10 days. I have not received any paperwork, request for information, or any kind of update since and it has been beyond XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NC)

I have absolutely no idea who is this company showed up on my consumer credit report. They started reporting few months ago without my consent. I have no contract with this company Monterey Collections Ser and I believe that they obtain my personal information ilegally. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
Consumer complaint received 2019-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

I have been getting surprise late fee charges from Ally Financial. When I called to get an explanation for the late charges I was told to " look it up yourself '' by the representative. I was asked do I need to get an attorney to find out why I was charges late fees. Soon thereafter I got a letter from Ally goading me to get an attorney to find out why I was charged late fees. 

As of this time Ally has closed my account and removed my access to my monthly payment records. Not only does this deny me access to payment records to independently verify payment information but I no longer have access to my tax records or the ability to make payments. Please demand these records by made available to me. 

We have received Ally records which indicate that at least one late charge should not have been made, So I have at least one incorrect late charge but in order to fix it I have to pay hundreds of dollars to correct it. 

Furthermore I have not received my billing statement for XX/XX/XXXX that shows how much is due and how my XX/XX/XXXX payment was applied. 

Please demand the restoration of my online access to monthly records, demand a complete record of how and when late payments occurred. The shutting down of web access to my monthly statements is just a cover up for the fraudulent late fees being charged by the bank.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX checked credit reports. It was shown that my former lender erroneously/falsely reported to the bureaus a late payment on XX/XX/XXXX. I emailed them and shared the reports and they have indicated they have relayed this to the credit division. Im going through a heloc process and this is impacting my credit score.
Consumer complaint received 2023-10-31
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: FIRST PORTFOLIO SERVICING INC (CA)

I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.