davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX Antisemitic character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the fraudulent debt, nor therefore any such debt, in fact therefore exists.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank states that it will not receive a written letter of revocation of authorization of electronic debits. I have notified the company making the withdrawals. I do not need to stop an individual payment, but rather to notify Huntington Bank that I have already revoked authorization with the company but want the bank also on notice of such and that the company is not authorized to make any future electronic transfers. The branch office says it will not receive this letter. I can not find any address, etc., on line to send this letter to. I have called the Huntington 's XXXX number for customer service, and no one can give me a name, address, telephone number, etc. I was attempting to use your agency 's form for the letter of revocation to send to the bank. It appears that Huntington does not honor such revocations, and I find it very problematic that the bank in which I deposit my funds refuses to stop electronically transferring funds upon my instruction and has no method by which I can give this instruction.
Consumer complaint received 2018-03-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PENTAGON FEDERAL CREDIT UNION (CO)

I signed up for a home warranty ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX through Pentagon Federal Credit Union, where I hold a checking account. They endorse the home service plan and provide automatic withdrawals to pay the monthly {$54.00} to XXXX XXXX. Our XXXX XXXX XXXX XXXX XXXX warranty # is XXXX. 

On XX/XX/XXXX, I filed a claim with XXXX XXXX regarding a leaking hot water heater in my home. A service provider contracted by the home warranty company, XXXX XXXX XXXX of XXXX, Colorado, came to assess the problem on XX/XX/XXXX. I paid a {$100.00} deductible to XXXX XXXX by credit card over the phone and received receipt via mail. XXXX XXXX XXXX determined we would need a new hot water heater and communicated that with XXXX XXXX. 

On XXXX XXXX, XXXX I received a call from XXXX XXXX offering us the product ( new hot water heater ) and installation by XXXX XXXX for an additional charge of {$80.00} or a " payout '' to the amount of {$680.00}. I opted for the product and installation. I was told then that the water heater had been ordered and would be installed within 3-5 days. 

Beginning on XX/XX/XXXX, my husband and I began calling both XXXX XXXX and XXXX XXXX daily to learn the status of our claim since we still did not have a hot water heater. Each time either of us called, we were told conflicting information from the day before and from person to person. At one point we were told the hot water heater was on a truck coming from Texas to Colorado, but there were no tracking numbers. As of XX/XX/XXXX, we were told that in fact, the hot water heater had yet to be ordered by XXXX XXXX. Today, XX/XX/XXXX ( one full month from the date of the initial claim ), I was told by XXXX XXXX  that the hot water heater had been delivered to an address in XXXX, New Mexico and was ready for pick up by XXXX XXXX. I pointed out that XXXX, Colorado and XXXX, New Mexico are not in close proximity by any stretch of the imagination. XXXX, the case manager I was speaking to ( extension -XXXX ) realized this was a mistake on their end and said she would try to have the hot water heater shipped directly to XXXX XXXX in Colorado. 

I have been living without hot water for a month and can not get anyone ( XXXX XXXX or Pentagon Federal Credit Union ) to be accountable for the unacceptable way our claim has been handled.
Consumer complaint received 2023-06-21
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. (NC)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2023-06-21
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. (TX)

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

The letters are stated with items and issues.

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 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX XX/XX/XXXX Transunion, XXXX  XXXX XX/XX/XXXX Transunion, XXXX  XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XX/XX/XXXX Transunion, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX TRansunion, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Transunion 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-01-10
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. (CA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-07-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-10
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. (TN)

I sent a letter on XX/XX/2022 to this Credit bureau. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-02-21
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. (TX)

In touch credit union damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch credit union on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Consumer complaint received 2024-04-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I've tried to pay off this Ulta Beauty credit card account with Comenity Bank in-full multiple times, and each time I am charged an additional late fee and interest fee after paying off the balance. This pattern continued over a year, and I have paid about {$300.00} in late fees and interest fees due to an inability to become current on the account. I tried paying the full balance of {$260.00} over the phone on XX/XX/2024, and shortly after I spoke with a service agent she informed me that the actual balance was {$260.00} due to a {$2.00} interest fee. She informed me that an additional {$2.00} was not paid for on my payment made that day, and I am unable to pay off the {$2.00} fee on XX/XX/2024. I was instructed to call back " later that month '' to pay off the {$2.00}. I told her I wanted to pay off the account so I can close it, and she said I could close the account today but I can't pay off the {$2.00} until next month. She then put me in touch with another customer service agent who was supposed to help me close the account. I asked if she could close my account and if there was someone I could talk to in order to file a complaint because of the inability to become current on my account. The customer service agent said she would connect me to a " supervisor '' and then ended the phone call. Neither customer service agents closed my account.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (MO)

I have added a credit freeze on my report since XX/XX/XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through XXXX XXXX XXXX breach and experiain information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen 2 years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have two Capital One credit cards, at issue is my XXXX XXXX card. 
I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX XXXX XXXX, an organization that supports families of fallen police officers. 
CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne also charges more than 29 % interest on the cash advances. 
I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus an additional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. 
By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. I am unable to log in to CapOne to obtain a copy of my most recent statement, as they have locked my sign in credentials for some unknown reason.
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Menards ( Capital One ) store credit card Credit card company drafted out of my checking account XXXX more than what was owed. When I called to get a refund I was told that it would take XXXX weeks to get payment. 

So very wrong - They will be sitting on my hard earned cash for 3 months collecting interest and not paying interest back to me. ( They charge me 25 % if I owe them money ) This is so wrong - Where is the consumer protection with these credit card companies?
Consumer complaint received 2022-10-27
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. (TN)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-06-21
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. (FL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : 05/09/2023 Please remove it from my credit report.