davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-08
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. (MO)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to questioning specific items in my document coming about because of the wrongdoing. The items 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 items 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 XXXXXXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
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)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

Unauthorized accounts on my credit reports. Unknown debt-Identity The. Do not belong to me nor did I open them. I need to report the items listed below to vendors and the 3 Major Bureaus.

Please help me remove these items. I can cooperate in anything you need from me. 
I have tried contacting them but they have not been helpful. Thank you! 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TFS FINANCIAL CORPORATION (CA)

I already filed a complaint, and despite the agreement of fact that their system had a failed to perform as scheduled, they responded to cfpb that everything worked perfectly. This is factually wrong. 
Previous case : XXXX : **************************************************************** I have had the mortgage for many years, and had set up automatic payments. Initially I has some problems with automatic payments as Third Federal would refuse payments directly to the mortgage account number. They could not fix this. I also had a separate account with them, and I set up automatic payments to go to that account instead, and then automatically forward to the mortgage account. This worked every month for many years. The bank then changed something in their system without notifying me, and the transfer was rejected. I noticed the error a bit more than a month later, and corrected it, but they already reported the missed payment. My credit score when from excellent to bad. I also lost money due to fees and interests falsely charged against me. I have not been able to reswolve this, and I have not found anyone to talk to that can tell me why the bank failed me, and why they will not take responsibility for their defect. They said they tried to reach me. I was never contacted. I am easy to reach by phone, email, letter or any other way, and resolved it as soon as I discovered the banks error. 
******************************************************* Now, updated case requesting them to show why the transactions failed : Instead of the bank just answering " We did nothing wrong '', I would like them to 1. look at the log for the automatic payments for XXXX and XXXX. The payments was scheduled for automatic transfer internally, this automatic payment schedule had worked every month for many years, and now they failed. 
2. Document why these payments failed. 

It is not an acceptable answer to just say " we had everything working correct ''. So please ask Third Federal give a real answer as to how the automatically scheduled payment all of a sudden did not happen in the same way it had worked every month.
Consumer complaint received 2022-11-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00},
Consumer complaint received 2023-04-14
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. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-08
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. 


Delete these fraudulent items.
Consumer complaint received 2022-11-24
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. (CA)

I sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law XXXX and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXX ) you are required to remove/block any account not later than XXXX XXXX XXXX  Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : -
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and correct XXXX XXXX XXXX  XXXX XXXX Balance : {$39000.00},
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
XXXXXXXX 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 2022-11-24
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal BankXXXX XXXX checking account, XXXX XXXX  overdraft fee,XXXX, XXXX, {$29.00} Each fee. I called them to get fees returned and they denied me for a XXXX dollar Transaction. I have been reading up on all laws and this is very wrong for a company to hold my money bu charges the client such a heavy fee.
Consumer complaint received 2023-02-21
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: JPMORGAN CHASE & CO. (MN)

jp morgan chase and its affilates continue to use my report fraudulently and illegally jp morgan chase is illegally sharing my data with its affiliates despite my will and in violation of the law. 
i have no contract with these companies and have not given them permissible purpose to use my name reports or likeness. this is in violation of several laws and my rights. including but not limited to Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Specifically, Section 604 of the FCRA requires that a consumer must provide written consent before a company can obtain their credit report. 
Section 607 also prohibits credit reporting agencies from disclosing a consumer 's credit report without a permissible purpose, such as employment or credit applications. 
Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq. 

Specifically, the GLBA requires financial institutions to protect the privacy of consumers ' personal financial information, including credit reports. 
Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510 et seq. 

Specifically, the ECPA prohibits the interception of electronic communications, such as email or text messages, without the consent of the parties involved. 

Minnesota Government Data Practices Act ( MGDPA )- Minn. Stat. 13.01 et seq. 

The MGDPA regulates how state and local government agencies collect, use, and share personal information, including credit reports. 
Minnesota Consumer Credit Reporting Act ( MCCRA )- Minn. Stat. 13C.01 et seq.

The MCCRA requires that a consumer must provide written consent before a company can obtain their credit report.

Minnesota Personal Information Privacy Act ( MPIPA ) - Minn. Stat. 325E.61 et seq.

The MPIPA requires businesses to provide notice to consumers about the collection, use, and sharing of their personal information, including credit reports. 

it is illegal for XXXX  XXXX and XXXX to continue to share this information without my consent and especially as i have made it known this data is fraudlent.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Loan account : XXXX Lender : fifth third bank Type : installment/auto loan On XX/XX/2024 my bank, XXXX XXXX sent an electronic bill payment in the amount of XXXX to fifth third bank for my auto loan which had already been paid off in full XXXX weeks prior. This was due to me forgetting to turn off the bill pay which I have since done. I immediately contacted both banking institutions and was instructed by XXXX XXXX that they couldnt recover or stop the payment. Then I contacted fifth third and got nowhere. They were extremely unhelpful and I essentially had to research everything on my own to try to recover the over payment which posted to my XXXX XXXX account XX/XX/2024. Long story short Ive asked fifth third repeatedly to track down the overpayment and send it to me but they just act like it doesnt exist.
Consumer complaint received 2022-11-23
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: American Credit Acceptance, LLC (AL)

Ive called 3 times now to dispute my credit not being reported after 13 monthly payments being paid on time. The first time I called them was on XX/XX/XXXX and was told to that it would be taken care of. Then I proceeded to call them back XX/XX/XXXX because the problem wasn't resolved and was told to call them back on XXXX XXXX proceeded to call them back on XX/XX/XXXX and nothing was done.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (PA)

I have an account with TD nano that XXXX sends my checks to every month. I have been having someone steal the numbers off of my debit card without my knowledge. They have tried to take my card number and use it without the chip on the card. I am confused as to why my card is being used without the chip. I don't see the point of a chip on the card when I was informed that the card could only be used with the chip. I have been having to go to the bank because if this to get a new debit card because they have allowed this tip happen behind my back. Last time I went I spoke to the teller gave her my information and was told to speak to another teller. XXXX minutes later I recieved a text that I ignored from TD bank since I was already sitting with the manager setting up a new card. I set my pin, went to the atm and used the card when I came home I checked my balance and the pin didn't work anymore. I went back to explain to the manager at broad and XXXX, what happened and she gave me an attitude telling me to leave and wouldn't change my pin. I called the police they told me tip go to another TD nano instead I'd fixing the problem and wouldn't give me her bosses number. After I went top a new bank and changed my pin it wouldn't work at the atm. I was then forced to write down my account number to withdrawal money after being told I'll revive a new card in the mail when it only takes to minutes to make a new one. On my way home I recieved a text saying thank you for sharing green XXXX when I looked it up someone at the bank used my money to open another account without my permission. I then read the contract and realized they said they can do as they wish with my account on the contract. XXXX told me before hand that the contract wouldn't apply in their own words no one should be going into my account under federal law no one but the XXXX account holder should be able to touch my funds. When I signed for this account I was already aware I'd the fake that they can't take money out of my account without my permission through goverment law. I just recently put these XXXX checks in a bank account with TD bank thinking that mine and my child 's account would be safe. I even spoke to someone on their phone line on the back of the card and asked them to put it on record that no money but XXXX money goes into the account and no one but me touches the account which is on record. Please help im really not XXXX XXXX and didn't get the chance the switch the account to another bank. The reason I put this income in TD bank wad because XXXX XXXX allowed someone to do the same thing and use my card without my knowledge. I would really like both top be researching and refunded
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (UT)

I applied for a loan and was scammed with a fake cashiers check. Because of this it caused my account to go into the negative. Tried talking to bank, they said usually when things like this happen we end our relationship and close the account. The account was not closed and continued to accrue fees from the bank. Then it was closed and charged off into collections. I deposited XXXX $ or so to open the account and then never used it otherwise one time other than the scam loan thing and they charged it off for over XXXX dollars. I planned on getting my opening deposit back, not paying in for no reason at all.
Consumer complaint received 2018-06-14
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. (MS)

EQUIFAX and XXXX have repeatedly removed the XXXXXXXX XXXX  CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
Consumer complaint received 2024-04-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (TX)

XXXX XXXX XXXX Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX sent a debt collection parcel on behalf of XXXX XXXX XXXX XXXX XXXXXXXX devices that were damaged and not replaced by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
The subsidiary stated that my account with XXXXXXXX XXXX XXXX did not qualify for replacement on devices that were less than three months old. 
The phone number above is the customer 's, my, phone number to the account noted above. 
XXXX XXXX XXXX also stated a anomaly in XXXX XXXX devices that refrained my XXXX watches to my XXXX devices. All being XXXX XXXX and up. The service provider and XXXX are not taking responsibility for all discrepancies regarding the failure of their product. 

Sincerely ; XXXX XXXX XXXX XXXX XXXX mail respond via parcel mail
Consumer complaint received 2022-11-23
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. (PA)

EQUIFAX IS INCORRECTLY REPORTING ME AS DECEASED IN MY CREDIT FILES. I AM NOT DEAD. I HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND PROVIDED THEM WITH PROOF AND THEY ARE NOT CORRECTING THE INCORRECT REPORTING. EQUIFAX IS COMMITTIMG A FRAUD ON ME AND REPORTING ME AS DEAD WHEN I AM CLEARLY NOT DEAD IS A FEDERAL CRIME. I HAVE ALSO CONTACTED MY STATES ATTORNEY GENERAL AND TALKING TO A LAWYER TO FILE A LAWSUIT FOR FRAUDULENTLY REPORTING ME AS AS A DEAD MAN WHEN CLEARLY BASED ON THE EVIDENCE THAT I PROVIDED I AM ALIVE.BASED ON THE FRAUDULENT INFORMATION PROVIDED BY EQUIFAX I AM UNABLE TO GET A CAR OR A HOUSE AND LIVE MY LIFE BY CLEARLY BEING NOT DECEASED. 
PLEASE DO YOUR JOB AND FIX MY CREDIT FILE.