davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2023-08-09
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. (AL)

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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX Credit company is not updating my credit acceptance account correctly. Sent documents to verify the account is closed in settlement XXXX XX/XX/2023. XXXX is the only company with proper updates.
Consumer complaint received 2023-08-10
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: M&T BANK CORPORATION (PA)

To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from M & T bank has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX  XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

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

15 USC 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 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.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

My loan payments were always sent on time. I keep explaining this to to the credit bureaus but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  XXXX acct # XXXX remove these remarks from the account. 

XXXX XXXX XXXX  Acct. # XXXX Remove all remarks from the account remove the late, this account is closed XXXX XXXX Acct XXXX XXXX I'm still in possession of the vehicle, still making payments on the vehicle as of today. Remove all late and repo status on my credit report
Consumer complaint received 2023-11-10
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and how is this possible if I do not have this?? I do not know what XXXX XXXX XXXX is because I have never heard of this industry. What is XXXX and they inquiried on XX/XX/XXXX? 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-05-16
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. (OR)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NV)

I have a debt for from XXXX XXXX, I set an arrangement with the XXXX, and make two payments, the third payment i failed dues to financial hardship. they send me to collections the collections agency send me a letter and i call to make an arrangement, they told me that they would hit my credit even if i make a payment, then they told me that i need to pay {$4000.00} on the phone i offer to make an arrangement of $ 100 monthly they refuse to do that they told me that i can pay {$630.00} over the phone and {$350.00} per month then the agent transfer me to a very rude and aggressive person that did not respect me or either allow me to talk. 
I'm able to make {$150.00} payments per month to clear this debts, right now the economy is hard and that is the maximum that i can pay. I can revisit this to see if in the future i can pay more. 
the lady over the phone just hang up on me leaving me with out any options
Consumer complaint received 2023-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (TX)

My mortgage went up {$600.00} a month due to property taxes and we paid the overages for XXXX months. The problem was rectified and then the mortgage company got the updates but said our mortgage will remain at this impoverishing amount until maybe XXXX. 

If we pay on what we cant afford them of course we wont pay on time because we do not have it- they are going to throw fees on top of monies that we dont owe that wasnt paid in a timely fashion. 

This is unfair as our mortgage is an important bill and I am the mother of twins and simply can not pay the overages just because a company is too lazy to make changes effective now. This is unfair and it is deceptive because when I was giving them the new information they told me that it would be ready by the time XXXX mortgage is due.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I looked up my credit report on XX/XX/2023 and sent letters to experian. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over XXXX  days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I need to removed some late payment In accordance to the fair credit reporting act, this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 section 2, its also state a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end customer credit plan up late fee any purpose
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: EQUIFAX, 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. 

ATTORNEY GENERAL-CHI : 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 2023-05-16
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)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2023-05-16
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. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: PREFERRED CREDIT INC (TX)

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. 
XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

Myself and another mom collected money for a fundraiser for our youth hockey team using Venmo. All of the funds were ultimately transferred to me. When I moved the funds to my bank account to cut a check to our organization both my account and the other user 's were frozen and subsequently permanently terminated. Venmo will not tell me specifically what I did that violated their user agreement, or give me the opportunity to explain what transaction caused the problem. There are over 30 other teams within in our hockey organization that used venmo during this fundraising period and no one else has had problems with their accounts.

They have since stopped responding to my email requests, and when I call them directly I am told that I need to email my account specialist and there is nothing else that they can do for me. Their emails have been vague and only refer me to their user agreement which I have read in its entirety, but I still don't understand what I did was in violation. 

Direct text from their last email : We have systems in place that monitor activity on Venmo, but please note that we don't reveal information about our internal systems in order to keep these systems robust. However, I'd recommend looking over our User Agreement for information on our policies surrounding acceptable use and high risk activity. You can find our User Agreement here : https : //venmo.com/legal/us-user-agreement/.
Consumer complaint received 2022-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

I had my debit card stolen with chime bank and submitted a police report on the person who stole my debit card and used it to make atm withdrawals fraudulently in my name because they had my wallet which I had stored my banking information inside. The police report I filed was with the XXXX XXXX Police Department and the report number is XXXX and chime refunded me my money on my credit builder card that this person used as well as my debit card to make atm withdrawals but refuses to refund me my money on my debit/checking account with them that this person also compromised. They are refusing to work with me or even grant me provisional credits on my checking account and continuing to close the investigation for the fraudulent transactions days before I am supposed to be granted provisional credits so they dont have to pay me for the theft that occurred. This bank customer service is terrible and their fraud department refuses to contact me with further questions with the cases I opened with them and are coming to conclusions that are completely inaccurate and refuse to accept the proof of fraud through the police report I filed for no legitimate reason. They are a horrible bank scamming me out of my money and refuse to protect their customers.
Consumer complaint received 2023-05-16
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. (OH)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX