davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, & Equifax continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (PA)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXXXXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( SECURITY CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX between the hours of XXXX XXXX PST. I called Capital one customer service due an unexpected balance of {$43.00} appeared in my account posted since XXXX XXXX, XXXX. I wasn't expecting this since I already made the full payment on my account for amount of {$3200.00} on XXXX, XXXX. I was expecting that my account XXXX XXXX XXXX XXXX will be at XXXX balance. 
I have ask the CSR to help me out to waive the fee of {$43.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. I then asked to be transferred to the account manager who I believe has more access to grant my request. The manager or supervisor verified my account and check my information. For the second time, the manager or supervisor have adamantly told me that he can not do anything to help me to waive the interest fee of {$43.00}. 
Wow, really, seriously, for {$43.00} as a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in Capital one even though Capital one has been charging too much interest fees in my account. I really have to go through of all instead of Capital one thinking of their own benefit, for {$43.00} really, your credibility as supposed to be a " helpful '' credit card company will be published for not helping out a customer like me most especially this hard season of pandemic. 
I then, just requested to the manager/supervisor to close my account, since he doesn't want to waive it. He said that I still need to pay {$43.00} even though the account will be closed, that I will be responsible for it. I said " no '' I will not pay that {$43.00} because I already paid the balance in full. He then declined to close my account. 
Let it be known, that i will not be paying anymore fees/interest to this account since I have already paid the balance in full and Capital one have already collected so much interest and fees in me already. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$43.00} has been stressing me out and should be waive for the sake of helping out your customer. Capital one should extend their hands to more considerate and don't push their costumer to pay more and more.
Consumer complaint received 2024-04-14
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: ALLY FINANCIAL INC. (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AL)

i have been getting money took from my checks for two months in sent to a savings account that i did not create i closed the account but can't get my money from it they said they did not see me in there system the last date they took from me was on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-30
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: I.C. System, Inc. (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Citations of Federal and Texas Laws Hello, I C SYSTEM, I'm writing to address a concerning matter regarding the unauthorized reporting of information to my credit report, as affirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has undeniably come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as delineated in the FCRA, explicitly mandates that consumer consent is an absolute requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Concurrently, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal information. 

I affirm with absolute certainty that I haven't provided consent for I C SYSTEM to report any information to my credit report. This undeniable absence of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws. 

I demand, unequivocally, that I C SYSTEM immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be seen as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I stress that obtaining consent isn't optional but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This isn't open for discussion ; it's a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these serious violations, respecting my rights under federal and state laws.
Consumer complaint received 2022-12-23
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. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX 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.
Consumer complaint received 2018-04-17
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. After the theft several accounts were opened in my name. I reviewed my chexsystems report and found the following account reported : XXXX XXXX XXXX / XXXX XXXX This account is not mine and I did not open it. 

I have attached a copy of the police report.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (DE)

LVNV funding continues to report to the credit bureaus a collection on my credit report. LVNV funding IS NOT authorized to conduct business in the state of Delaware. On XXXX  LVNV funding lost its ability to collect debts in the state of Delaware. I am requesting that this account be deleted due to them not having the legal right to collect in my state. 

Thank you
Consumer complaint received 2024-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U. S. Code $ 1681-c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2023-11-06
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. (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.

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 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I faxed standing payment instructions in XX/XX/2023, but then made a payment in XXXX that did not honor those instructions ( over {$1500.00} applied to interest instead of principle as requested ). I then sent a message through the secure system on XX/XX/XXXX with standing payment instructions again and asked that the prior payment be corrected. It has been opened according to the system, but I just made another payment ( XX/XX/XXXX ) and the instructions were still not honored. I saw on some websites that I should receive a letter confirming that my standing instructions were received but I have not. I need to make payments but do not want to pay extra overall because of their negligence.
Consumer complaint received 2023-11-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Florida Financial Management dba Lend A Dollar (MO)

I applied for the loan XX/XX/XXXX or XXXX go the deposit for {$450.00}. I tried to cancel it but only option was pay {$490.00}. A {$45.00} interest. State law in Missouri make loans have a next business day to cancel with no payment.
Consumer complaint received 2022-10-26
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. (AZ)

I have attempted multiple times with the credit bureaus to remove fraudulent information. I havent gotten any forward movement. I am attatching all the needed docs to look into my case. Im hoping you can help.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I have submitted a request of voluntary payments during pandemic pause on XX/XX/XXXX, I have since then received no confirmation, no status update, and no progress on my request till today. Calling the company always takes more than an hour at least to get connected. Ever since the student loan forgiveness application is online this company had made their calling system extremely tricky, most of the options will lead to a call being automatically hung up.
Consumer complaint received 2023-09-04
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. (MO)

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 168. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : 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 2023-09-04
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: Experian Information Solutions Inc. (NJ)

I am writing to formally register a dispute with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian about the following inaccuracies on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The account with the following details was reported as late, but it was never late : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Please remove the late payment notation.
Consumer complaint received 2024-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I AM WRITING IN REGARDS TO THESE FRAUDULENT INQUIRES BEING REPORTED ON MY CONSUMER 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 THIS IS A VIOLATION UNDER 15 USC 1681c-2 ( a ) BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (NM)

I am writing to submit a complaint about CoreLogic Credco. On XX/XX/XXXX, I had a mortgage prequalification phone call with an agent from my branch of XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. When she went to run my credit with the company they use [ CoreLogic Credco, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ], she informed me that she could see a mortgage associated with my information. This is deeply concerning as I do not have a mortgage.

After the phone call, I logged online and requested my credit reports through annualcreditreport.com. All XXXX  credit reports were correct for me. I only have XXXX credit card with XXXX XXXX XXXXXXXX opened in XXXX. I have no mortgage or loans. Only my name, birthday, and social security number is listed on the reports. 

After those credit reports came back correct, I wrote to CoreLogic Credco to request my credit report through them. The credit report I requested from them is filled with information for another person, XXXX XXXX or XXXX XXXX. The only credit item that is correct for me is the XXXX XXXXXXXX XXXX Credit Card ( XXXX XXXX under Credit History on the attached documents ; page XXXX ). 

On pages XXXX of the report ( see attached documents ) they have listed XXXX XXXX and XXXX XXXX under Identification Information and AKA Information. XXXX XXXX ( XXXX XXXX is her maiden name ) is my XXXX. We did live at the same addresses for a number of years but it is clear by the different social security numbers and birthdates that we are not the same person. 

We requested XXXX credit reports from XXXX. Looking through those reports, all the information is correct and only her name, birthdate, and social security number is listed on them. 

I have done my due diligence to get the situation resolved by going directly to the sources ( XXXX, XXXX, & XXXX ). XXXX, XXXX, & XXXX are reporting correct information for me, XXXX XXXX XXXX, and my mother, XXXX XXXX XXXX XXXX The only party that is reporting incorrect information is CoreLogic CredCo. 

I am requesting assistance to help get XXXX XXXX XXXX name , birthday, and Social Security Number removed from my ( XXXX XXXX XXXX XXXX CoreLogic Credco credit report. 

I am attaching the credit report from CoreLogic CredCo. This is the report that is reporting incorrect information. It is the only place that is reporting this information. Mortgage and other lenders use this credit report to qualify people for loans. I am unable to move forward with qualifying for a mortgage because this report falsely claims that I have a mortgage and various other credit card debts. 

I am also submitting a copy of my drivers license and social security card as well as a copy of my mothers, XXXX XXXX XXXX XXXX XXXX, drivers license and social security card. 

I am happy to submit any additional information required to help with this complaint including the credit reports from XXXX, XXXX, or XXXX for XXXX XXXX XXXX or XXXX ( XXXX ) XXXX.