davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland credit bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX
Consumer complaint received 2022-10-22
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. (FL)

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 # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-07
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.
Consumer complaint received 2023-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (WA)

Date : XX/XX/2023, XXXX XXXX PT Entity : Citibank , N. A. 
Issue : Domestic Wire Transfer Cancellation | Refusal to Assist w/same Amount : {$1500.00} USD I attempted a wire transfer from my Citibank account to a family member 's XXXX XXXX  XXXX account . For reasons unknown to me, I was required to call in for authorization. I did so, and the agent confirmed the {$1500.00} USD transfer was initiated, and it showed processing in the Citibank system. 

However, minutes after hanging up the transfer showed as " unable to process '' with no explanation. I called in again, and Citibank was unable to give me any reason or rationale. Furthermore, they insisted I call in later to ascertain what went wrong with the last transfer as the " system was down '' and additionally noted I would need to initiate a separate transfer, requiring yet another call. Ultimately, the agent hung up on me. 

My bank account ostensibly includes 'free ' wire transfers. However, this is wildly misleading when the true cost includes three separate calls and multiple attempts to -potentially- process a transfer. This is unacceptably sub-standard customer service. 

Thank you,
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (PA)

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-03-04
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. (CA)

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 XXXX XXXX XXXX  XXXXXXXX XXXX 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 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 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank has accessed my account overdraft fees on XXXX occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) ) in which the fee itself put the account into overdraft. These fees were accessed on pending transactions not after the transaction had posted. On each day noted above the ending balance of the transactions posted would have left the account with a positive balance. Truist was accessing all transactions that were in a pending status and because the math on the account was negative they began accessing fees. 

Per the CFPB website, the overdraft requirements are written as this : For purposes of this section, the term overdraft service means a service under which a financial institution assesses a fee or charge on a consumer 's account held by the institution for paying a transaction ( including a check or other item ) when the consumer has insufficient or unavailable funds in the account. 

My understanding of that requirement is that until the institution, Truist Bank, pays that transaction and it causes the account to go into the negative there should not be a fee accessed. In my understanding, the bank has not paid that transaction until it is posted. I attempted to clarify this with the Truist Support rep, but was unable to get a valid response one way or the other. They instead finally offered to pay back the overdraft fees ( 2 of them, which was not offered during my first call with their Support ). 

However, the intent of this complaint is for clarification on the banking practices. Per the CFPB overdraft requirements, when does the bank actually pay the transaction? If it is not until the transaction is posted then there are practices, logic, algorithms in play that are not consumer friendly and should be researched or further explanations provided to the consumer.
Consumer complaint received 2021-02-19
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. (NJ)

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Consumer complaint received 2023-07-28
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14
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. (GA)

I called the XXXX/Experian after I purchased a credit report with XXXX on XXXX XXXX, 2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the Experian and XXXX last XXXX XXXX, 2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX* Balance : {$9800.00}.
Consumer complaint received 2024-03-17
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. (FL)

On XX/XX/XXXX, I submitted a dispute through Equifax for an account shown on my credit report for XXXX XXXX and my dispute was assigned a confirmation # XXXX. 
The XXXX XXXX account was opened on XX/XX/XXXX and there was no payment made on the account as my credit report shows no date for the date of last payment ; yet, XXXX XXXX is reporting the date of 1st time being delinquency was XX/XX/XXXX. The account history on my credit file only shows activity starting XX/XX/XXXX and shows as a charge off account. 

As no payments were made since the account was opened on XX/XX/XXXX, since it has been more than 7 years I submitted a dispute for the account to be removed from my credit file. 

I received notification on XX/XX/XXXX that the investigation has been completed and the item is still shown on my credit report. The only change made was a comment stating " Account Previously in Dispute - Now Resolved by Data Furnisher ''. This comment does not indicate specifics about the results of the dispute investigation. 

If the dispute was found to be accurate, they need to clearly indicate it is correct but based on no payments made and opened in XX/XX/XXXX but not reported as delinquent until XX/XX/XXXX with the history showing information starting XX/XX/XXXX. Based on these facts and the account has been on my credit file for more than 7 years, it should be deleted from my credit report or inform what corrections will be made to the credit report..
Consumer complaint received 2024-03-17
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. (WI)

After several attempts to get this charge off removed from my credit report I have to file a complaint due to the fact that Equifax is failing to remove this item from my report. They are reporting a charge off from XXXX XXXX XXXX account number XXXX in the amount of {$30000.00}. 

According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats a cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on your credit report as a debt owed. 

This is also In direct violation of my privacy and rights according to the Violation of Privacy Act of 1974. 

Must I include that it is illegal to report trans action history according to 15 usc 1681.
Consumer complaint received 2023-05-12
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. (CA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I recently repaid {$28000.00} in student loans to XXXX  XXXX XXXX. I told to the company that the payment should be applied to my two highest loans with the highest interest rates, which were each about {$14000.00} and around 5-6 % interest ( Loan sequence 7 and 8 on my account ). I told them this both by phone and email. I recorded the names, employee numbers, and dates of each call ( XXXX, Employee ID ( EID ) XXXX, and XXXX XXXX XXXX by phone on XX/XX/2018, XXXX by email, who did not provide an EID, on XX/XX/2018 ). 

Despite my repeated attempts, XXXX XXXX XXXX has refused to apply my payment to these loans. Instead, they have applied my payments " across the board '' to a number of smaller loans with lower interest rates. Essentially, they are forcing me to continue paying the higher interest loans, which will extend the life of the loans, the interest, and my repayment obligations. 

I have continued to contact them to rectify the situation without any success. They have refused to provide any confirmation that they have or will correct the error. Any help you could provide would be appreciated, I have detailed records to corroborate my claims.
Consumer complaint received 2024-03-16
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2024-03-16
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. (NY)

XXXX XXXX and Equifax refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (NC)

I spoke with a customer service rep on XX/XX/2021 about the XXXX XXXX  being removed from my XXXX. She had no answers other than corporate removing account due to system changes. I requested that the account be added back and she did not know how to do so. She also said I should receive a notice. As today, XX/XX/2021, there has been no notice and no account has been added back.
Consumer complaint received 2018-10-09
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: Santander Consumer USA Holdings Inc. (TX)

I Received my credit report showing a inquiry from SANTANDER CONSUMER USA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2022-10-21
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. (NY)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2018-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo continued to pass me around within a 12 month period to different loan modification employees who requested the same information over And over again, everyone I spoke too had s different story. They provided confusing information. They kept delaying me and kept me on edge. A horrible business model.