davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency shall not furnish an account without my written instructions.

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 any purpose
Consumer complaint received 2023-04-12
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. (MN)

My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX MN XXXX. 

I have contacted the companies to get this corrected and they refused to update my information to the correct information the other information I do not know where it came from as it isn't familiar to me. This information below is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is not the first 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
Consumer complaint received 2022-12-10
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. (CO)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, High Balance {$540.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-10
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-10
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. (CA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX my account was charged for {$140.00} by XXXX XXXX - So I contacted them and they gave me a different name and a different zip code that was associated with that card. I explained to them that's not even the correct name attached to the card or address. XXXX instructed me to contact my bank because everything went through on their end. So I contacted my bank which is Chime on XXXX XXXX and told them about said charge and the representative filed a dispute for me. The next day I went through my entire account and noticed transactions from XXXX, XXXX, and XXXX. So I opened a claim with the bank again and XXXX and XXXX we're both blocked from my account, and I asked them how were they still able to charge my account. XXXX of the charges from XXXX came back to me and they were " direct debit '' charges, but the other 2 charges were denied as well as the charges from XXXX and XXXX and they did not give me a reason, they just said " they determined there was no error '' and I literally can not understand why when I did not authorize none of these charges. I contacted XXXX again on XX/XX/XXXX, and was able to speak with a supervisor & explained everything to her. She was able to issue me a refund and it never came back to my account. So I contacted Chime again today and spoke with 6 different representatives and they all told me something different. 3 representatives told me " it doesn't matter if the card is cancelled, if there is a refund issued it will be going back to the same account. '' The other XXXX representatives told me an issue can not be refunded to a card that is cancelled. After being on the phone for XXXX hr. and XXXX minutes, I did not know what to believe. All I knew was my bank did a 1-2 day investigation and found no error. When I spoke with XXXX they said they could not verify my account with my phone number or email and there was nothing they could really do without verifying who I was.
Consumer complaint received 2022-12-10
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX : XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX has violated my rights.15 USC1681 Section 602A states, I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692d- Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ( Causing mental anguish ) 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such consumer owesany debt title 15- Commerce and trade Chapter 94- Privacy subchapter I - Disclosure of nonpublic personal information SEC. 6802 - Obligations with respect to disclosures of personal information 15 USC 1635 ( a ) Disclosure of obligor 's right to rescind, and ( b ) return of money or property following rescission.
Consumer complaint received 2023-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (PA)

For background context, I recently had a serious medical/dental issue and needed to pay for a very expensive dental procedure. 

On XX/XX/2023, I called Truist to ask about a payment deferral to take care of my immediate medical expenses. I was told by the rep that I qualified, as I was in excellent standing and had had the loan for over a year. She told me to expect an email from Truist with my deferral agreement no later than XXXX XXXX Monday, XX/XX/2023, and to call back if I didnt receive it. As of XXXX XXXX Monday XX/XX/2023, I hadnt received the email, so I called back. I asked if it could be sent to me while I was on the phone so that I could verify if I got it. I was told no. I said okay, to be honest, if I didnt get the first one Im not sure Ill get the second one anyway, as this is clearly an issue with their email server. I asked if there was an alternate way to get the document- via fax or postal service. I was again told no. I asked why I couldnt just receive it in the mail and was told it had to expire, which made no sense considering I was asking for a different method. The rep refused to tell me how long it would take to expire and what my next steps should be. 

I hung up and called back, getting a different rep. This one talked over me, talked down to me, and would not let me ask a question. He kept repeating something along the lines of maam are you going to work with me as a team? Just repeatedly saying that over and over and refusing to allow me to get a word in or ask my questions. He finally said he could mail it, but would I be willing to wait ten days? I asked for some clarification on the ten days - did that mean I would receive it within ten days or did that mean I had to wait ten days and then call back to resubmit my request? He refused to answer the question and kept asking his working as a team question. I dont need to work as a team for these people ; they already are a team, and their job as a team is to assist me, which they did not. 

I ended up ending the call and was so upset over the incident I began to cry. I was trying to do a very simple thing and asking basic questions, and instead of being helped I was being spoken to like a bad child. I called back a third time and got a different rep who finally agreed to mail me the agreement. 

However, later on that night I went online and realized I could file a request there. I did so, which also raised a red flag. If they had actually processed my request, why did it not say it was already pending and not allow me to submit a new one? Less than 12 hours after submitting it, I got the email from the automated system - the automated system responded to my request better and faster than actual human beings. That is a serious flaw with Truist Bank.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OK)

This is related to ( charge off account ) and 1099=c that I received and explane to them that this is not debt but income and therefore you can not report income as a debt on a consumer report. 1099-c Applicability the Internal Revenue Code requires a creditor discharging indebtedness to file an " information return on 1099-C with internal Revenue Service '' 26 C.F.R , 1, 6050p-19 ( a ). Whether or not an actual discharge of indebtedness has occurred, a " discharge of indebtedness is deemed to have occurred '' for the sole reporting requirements.

The dates and charge off shown on my credit report can not be reporting on any consumer report after the creditor has written it off, this debt has been extinguished by IRS and this bank has gotten credit for this debt Also within this matter Congress has written subject matter on hand ... ... ......

15 U.S. Code 1681b Permissible Purpose of Consumer Reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following and NO other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issues in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (FL)

On XX/XX/XXXX I noticed XXXX was taken from my account leaving me with XXXX. Then locked my account so when the XXXX XXXX did come XXXX XXXX later I still wasn't able to access it. With XXXX threats, XXXX, and XXXX they unlock it. XX/XX/XXXX I woke up to XXXX in my account this time they allowed someone to take XXXX from my account. Account is locked again after verifying myself with XXXX, as well as XXXX XXXX Now I'm fighting for my XXXX. This in cause left me XXXX, unable to provide for my kids, as well as pay my bills.
Consumer complaint received 2022-12-10
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



.
Consumer complaint received 2023-04-13
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. (NY)

I have made multiple complaints against XXXX, XXXX, experian it's like I am being ignored I made a demand for those credit reporting agencies to remove those improper inquiry and to stop messing around with my score improperly they seem to not care about my financial situation at all
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 



.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (GA)

I've been communicating with XXXX, XXXX, and Experian about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Consumer complaint received 2016-01-31
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I settled a debt with Bank of America/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 1681XXXX XXXXXXXX XXXX XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-12-10
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. (MI)

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.XXXX XXXX XXXX XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.