davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (TX)

BELOW INQUIRIES WERE DONE ON DATES STARTING IN XXXX AND CONTINUING UNTIL XX/XX/XXXX. I DID NOT AUTHORIZE ANY OF THESE DURING THESE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help
Consumer complaint received 2022-12-20
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. (FL)

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report XXXX : XXXX FTC Report XXXX : XXXX
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-03
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. (DC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I WILL BE SUBMITTING THIS COMPLAINT TO XXXX, XXXX, AND USAA. THIS IS SO ALL PARTIES ARE AWARE AND HAVE MY PERMISSION TO RESOLVE THE ISSUE. It has been XXXX years and XXXX/XXXX  have not properly investigated the problem they have requesting funds from my bank account. I have multiple XXXX  accounts that have no issues receiving payments, so I thoroughly believe that the problem lies with XXXX. The problem is that the XXXX funds are held by XXXX, so they continue to blame each other. I had made a compromise four years ago in order to make my payments and have done so on time until XXXX changed their system. This permanently removed my account an ability to make the payment online. I do not receive a paper bill for this account. I have made payments over the phone, but those also get rejected by the XXXX system. I have asked to use my debit card as a form of payment, but they only allow that once. Most recently XXXX made a change in their system so I could have my bank account linked. I did so and made a payment. They claim my bank informed that I implemented a stop payment. I DID NOT.! This is the problem. The request NEVER MAKES IT TO MY BANK! The following is the response from USAA from XXXX. It indicates that their isn't a problem with my account and XXXXXXXX  would not provide the documentation requsted to resolve the issue. Date of response : XX/XX/XXXX We are responding to the concerns about the USAA Federal Savings Bank ( FSB ) which you outlined in your correspondence to the Consumer Financial Protection Bureau, regarding XXXX debits from your checking account. Per our records, Petty Officer  XXXX contacted us on XX/XX/XXXX, stating that the FSB rejected XXXX XXXX XXXX House debits from the checking account ending in XXXX. A Member Service Representative explained that there were no rejected debits in the recent account activity, and the matter was closed. On XX/XX/XXXX, you advised that the payments were returned between XX/XX/XXXX and XX/XX/XXXX, and your concerns were escalated for further review. XXXX XXXX, of our staff, conducted a thorough evaluation of the account history between XX/XX/XXXX and XX/XX/XXXX. She found no restrictions on the account that would cause returned payments, no non-sufficient funds fees indicative of returned payments, and no negative balance ; therefore, she concurred that there were no records of returned payments to XXXX XXXX. XXXX XXXX contacted XXXX XXXX  to obtain supporting documentation from them for the alleged returned payments. XXXX XXXX, currently the FSB does not have enough information to pursue a resolution, as we are awaiting additional information and documentation from XXXX   XXXX. If you have additional questions, XXXX XXXX remains available to assist you. Thank you for this opportunity to respond to your concerns.
Consumer complaint received 2024-08-07
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2023-07-16
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. (GA)

I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Welsfargo has charge multiple overdraft fees sometimes even 2 to 3 times for the same item. 
Just recently XX/XX/XXXX  they charged me XXXX twice for the same transaction. I wish I could remember more dates. But its been super inconvenient and hard to recover financially when you constantly getting overdraft fees.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MO)

The XXXX XXXX XXXX in XXXX XXXX Nevada towed a XXXX XXXX XXXX as a removal service in XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ' The Tow XXXX XXXX XXXX then called me to determine if that vehicle was mine and attempt to collect ( via racketeering ), on storage charges for the vehicle. Allied Collection Service and The XXXX XXXX XXXX work together to create fake charges for racketeering. I sold the vehicle in XX/XX/XXXX to an individual. His name is on the back of the title wherever that is. I also have a bill of sale. The XXXX XXXX XXXX claims I owe them the storage fees for a vehicle I had sold almost XXXX years prior. If the vehicle did belong to me, XXXX XXXX XXXX XXXX failed in their due diligence to notify the possible owner of the vehicle they had possession of it, nor did they give the potential owner the opportunity to recover said vehicle. This is a XXXX  scheme from start to finish.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (FL)

Its my fist hand personal knowledge im XXXX XXXX  i was falsely mislead by bankers aramis on XX/XX/2023 that the check i deposit was clear all funds would be available so went home the on XXXX i went online call them to place a wire they said go a head i place the XXXX wire they block me immediatly i reduce it to XXXX they put a hold on fraud dept then they started flagging my acct for fraud every transaction i spebt hours a days verifying myself then they claim they didnt know me and block the acct told me they have to send me a letter before i could have access i was shut down again its weird im from law enforcement fraud never saw such abuse of power i was feeling discrimination as though i was a target i never violate laws codes im injured XXXX XXXX they say they can do us anyway they feel the fraud department is always in The XXXX  evey agent is rude non infornativedevisive saying we dont have to discuss issuses with your account leaving me stagnate in my buisiness moneys on hold its deceptive out source agents abusive denying me of basic questions about my personal assets i have a ministry i know the XXXX  well then i call citibank yesterday XXXX  XXXX I on o find out if a wire fir. XXXX went out i was on the phone with bank agents for hrs they say acct was restricted for questions i spoke the citi bank XXXX  outsource office fraud dept a rude angry XXXX  lady verify me she wouldnt be calm and answer a simple question she said the acct was restricted i said which one sge ignore me it was frustrating she said u dont hacmve to tell you i will call you back she hung up in my face i call back i spoke to a kind XXXX  lady agent lesly she was night and day positive answered all concern about wires but said her power was limited i still need transfer to fraud so a lady name XXXX  came on from Fraud was rude XXXX devisive cut me off saying we closed your acct we dont have to explain we will send you a letter she slammed the phone i called back for a supervisor got A XXXX  on the phone XXXX  was rude devisive slight harsh repeated quickly we closed your acct any money left we will send you a check i said when she slammed tge phone in my face every fyi sadly this month all XXXX plus citi customers has had accts closed and still 60 days has got no check i said this is abuse of power deprivation of rights civil human rights truth in lending predatory practice i look online for reviews complaint in XXXX they closed dozens of customers accts for no reason without disclosure can you guys or sec .or Federal reseve treaury fine them they just paid out XXXX XXXX mill in fines to the sec i need help rights reserved without recourse ucc1-308
Consumer complaint received 2023-07-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I initially notified the consumer reporting agencies ( Experian, XXXX, and XXXX ) XX/XX/2023 to reinvestigate an account on my consumer file. The reinvestigation resulted in the agencies updated the account information and without providing proof or verification of the alleged debt. I sent out multiple letters asking for validation of the debt, and proof of disclosures that granted the debt collector to report on my consumer report. This was all done without my consent or authorization. The consumer reporting agencies continue to allow the debt collector XXXX XXXX XXXX XXXX ) to report missing/late payments on my account and report all derogatory remarks on my consumer file. I have also reached out directly to the debt collector requesting for them to cease reporting on my consumer report. This is defamation of my character and reputation. The consumer reporting agencies used information solely from the debt collector to verify the debt and did not consider any of my information into the dispute result.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please find attached a letters of disputes to XXXX, XXXX and XXXX on XXXX 2016 in regard to a Capital One Account that I had asked under the Debt Verification Rule to produce the negative debt of {$7000.00} that is being improperly recorded within the 30 days required. Also find attached a Dismissal Letter of the case in XXXX County Clerk of the Courts ( Florida ) for non production of debt. Under the Debt Verification Rule, XXXX, XXXX and XXXX cited that the negative debt remained with proof from Capital One. I have never received any of these documentations to this current date to prove the debt. And by admission of the courts, they also did n't receive any proof of debt and dismissed the case on my behalf.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I mailed off certified letters to the following credit bureaus Experian, XXXX, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Equifax has Federally violated me as a consumer by reporting information on my consumer report without consent from me XXXX XXXX the consumer, Federal law states a consumer report does not report transactions or experiences between the Consumer or Person making the report Per 15 USC 1681a., Federal law also states any nonpublic information pertaining to the consumer must be protected with privacy unless consumer gives consent, I never gave Equifax consent to report defamatory and false statements on my consumer report. Furthermore, XXXX has never contacted me to investigate any information on my consumer report which means they are in violation of Federal law.
Consumer complaint received 2018-04-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I was lied to and was not aware of my rights to modify my loan my only option they gave me was to do a short sale to avoid foreclosure and possibly jail time I trusted my agent who happens to be my cousin XXXX XXXX i lost my life my hopes and dreams. XXXX XXXX XXXX as my lender was clear water
Consumer complaint received 2017-09-19
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: U.S. BANCORP (IN)

On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.