davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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)

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 : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CMRE Financial Services, Inc. (CA)

On XXXX  the ambulance ride was paid by my insurance of XXXX $ to the XXXX XXXX county fire department under the alias XXXX XXXX. This collection agency is double billing. Cmre financial services Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

The XXXX loan provider that I work with is Mohela I attempted to reach out to them after I had received a late payment even though every single month I pay a several days before the payment due date. When the payments were restarted back in XXXX it showed that I had a late payment again even after I paid several days before it. I had reached out to them seven times over 2 weeks and had zero response until later after that and even when they gave me a response it was all automatically done which didn't give me any idea of what happened. I had attempted to reach out to them to ensure that my credit would not be affected so that I would not be prevented from getting future loans or it affects any other purchases that I make long-term. They gave me an immediate response that was only telling me when my next payment is due and that I have nothing due but did not clarify if I had actually had a late payment and also if it would affect my credit score. They gave me zero indication of the question I'd ask and gave me what my next payment will be. And I had message him seven times plus attempting a response and all of them were pretty much automated to tell me what my next payment is and that I had nothing due but nothing to answer the question that I had asked ensuring that I would not be affected even if I had paid and had sent them exact dates and time of when I did pay and my history showed that I paid.

On a second note it also showed two different amounts of what I actually owed to ensure that I don't accrue interest or that it would affect my credit score based on a late payment. Several days before I had paid the amount that it said that I needed to pay for that bill and then when I got back and it said late payment it said a different amount that I owed for that. Of which I paid both amounts the previous amount and the amount that it technically said that I had a late payment.
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XXXX  XXXX XXXX XXXX all canceled any transaction i attempted which i paid from my debit or bank account all refused to allow me to do any transaction closed my account anf offered no explanation as to why!!
Consumer complaint received 2022-11-24
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CT)

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.

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 2024-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Under 15 USC 1681 section 602 ( a ) in 15USC 1681 section 604 ( a ). States a consumer reporting agency can not furnish an account without my written instructions. So please have them to remove those items off my credit. This the third time Ive sent letters ( 609 ). To all three credit bureau agencies some dont have it on my credit report but I ask them to remove other stuff as well. Out date information in close account. 
Thanks
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has Violated my Federally protected comsumer rights to privacy and confidentially under 15 USC 1681. 
ACCT # XXXX DEPT OF ED/XXXX XXXX # XXXX XXXX Bank ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT XXXX XXXX SXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX wrong Social security XXXX wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15USC1681 section 602A states I have the right to Privacy.

15USC 1681 section604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 whivh antedates the report by more than seven years.

15USC 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 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

See 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

After reviewing my credit report, I noticed I have 1 late payment being reported by SYNCB/AMAZON  . I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have received a wire transfer from a company that I personally know. And after that wire received I sent someoney to another company that I also.know personally for a show that they were doing for me. 
After that my account was freeze and founds are on hold for over a month I have called many times to asked them what happen they just say they are in investigation. 
I have even give the information from the two companies involved They still saying this is under investigation
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have called the reporting agencies and let them know there are so many things wrong with my report like First off the accounts included below are NOT supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are also in violation of not reporting 100 % accurately.

15 U.S. Code 1681s2
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but XXXX and Equifax have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and Equifax and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

When I try to swipe the cards at a card swipe machine, it doesn't read. I don't get a beep. Nothing happens. The merchant appeared to try to save a fraction of a XXXX on plastic and made the cards too thin to be read by the swipe machine. I've tried using the cards at multiple machines without success. The cards need to be replaced.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXXXXXX XXXX  - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 ) XXXX XXXX - account # XXXX 5 ) XXXXXXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 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.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am requesting that the following inaccurate and Fraudulent items be immediately investigated and Deleted. This misleading information in order to show my true credit history. I demand that the following items be re-verified and deleted from my record in the next 4 days I have attached the FTC report along with my XXXX and Driver 's License. 

This item do not belong to me. 

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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (NM)

Received credit reports. 

Contact us evenings XXXX XXXX MT. 

Require letters of deletion from XXXX XXXX. 
Credco excessive in 2020 timeframe XXXX or more. Causing us 2 % plus points on home loans through XXXX XXXX XXXX 

Unauthorized inquiry by CredcoXXXX. 

Caused us to end with XXXX XXXXCredco . 

No contact from this company for XXXX card/account never requested. Phone tag only/lack of response exists. 

Hard inquiries causing us losses in credit approvals. 


My name should only appear as XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Apartment Complex Is correct. 

XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX is correct XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX is correct. 

Cellphone XXXX is correct Requesting fraud alerts on our SSNs. 

In my SSN. inquiries from XXXX XXXX and XXXX XXXX are certainly Fraud ID related. Excessive. Letters of deletion requested. 

XXXX XXXX Potentially Negative. Exists. Fraud related likely. Not a holder during time frame. Letter of deletion. 

XXXX letter of deletion requested. No knowledge of this company. Likely fraud related. 

No knowledge of XXXX XXXX inquiries. Letters of deletion. Likely fraud related. 

Massive duplication of Name, misspelling of addresses, exists. Fraud protection from FTC was requested previously. 

Thank you for your assistance. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-12-23
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. (TX)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2018-10-13
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. (MO)

I'm requesting that the following accounts be removed / blocked from my credit report, due to the fact that I DO NOT HAVE A CONTRACT with any of the following companies and according to the FCRA law these accounts shall be removed ... XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX
Consumer complaint received 2022-12-23
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (WI)

This complaint also relates to # XXXX of which that acc was closed and a back office supervisor said I was right about interest calculated and pd for the time period of identical months but since the acc was closed they can't do anything about it... .really. Want my {$920.00} returned because per them this was a bank error. 

Well on a new acc the same thing has happened, same time period, same daily interest rate, same balance. Ally paid {$790.00} between XX/XX/28 to XX/XX/28 but then paid XX/XX/28 to XX/XX/28 $ XXXX Something is going on here. On the previous complaint you referred me to Federal Reserve but they referred me back to you. 

I am also getting a reply back from customer service agents which are not qualified to respond to this just by reading their response.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Johnson Mark LLC (ID)

XX/XX/XXXX asked for proof and settlement they denied and got angry XX/XX/XXXX got proof of debt XX/XX/XXXX asked for payment plan options XX/XX/XXXX asked why no one has contacted me and are going forth into garnishment even with hardship. She put me on mute and then proceeded to see if I was there then proceeded to hang up on me.