davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
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. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-01-20
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. (PA)

According to my research about FCRA 605, credit bureau 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 with you has been compromised, these items being reported is 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 you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2023-11-29
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. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NY)

On or about XX/XX/XXXX  I made several attempts to use the mobile deposit feature on the U.S. Bank NA mobile banking application. I received several egregious error messages over the course of more than two hours. On the last attempt the deposit appeared to be successful insofar as I received an email message, led to believe, ( timestamped at XXXX XXXX XXXX ) from U.S. Bank NA stating the status of the mobile check deposit was accepted, further stating weve accepted your deposit. and you will have access to at least the first {$220.00} right away. The check amount was {$120.00}. However, the date, in the contents of the message, was post-dated to XX/XX/2023 seemingly in contradiction to the aforementioned statement made, in the same message, funds being available right away. As of the end of business on XX/XX/2023 the funds still appear as pending in status. Additionally, the mobile application for the account, in question, also shows an available balance reflecting the mobile deposited check is fully credited to the business checking account, right away. I was misled into believing the funds were available for uses, such as, but not limited to, an internal transfer between two checking accounts, for less than the total amount of purportedly available funds. This led to further confusion as the balances displayed showed two separate, contradictory amounts ; one, the headline available funds reflecting the amount inclusive of the funds recently deposited, but, below that in a much less conspicuous font, secondly, an amount not including this amount, thusly, showing the account in a negative net balance. I believe, U.S. Bank NA is making intentionally contradictory statements about available balances and processing times, in an effort to confuse consumers, to induce action in an effort to create a scenario where a negative balance is rendered, however temporary, so the bank can then apply its rent-seeking, deceptive junk fees ( e.g. overdraft, and returned check ( s ) fees, etc. ) against the account holder. I believe this predatory action is blatantly profiteering. Such deceptive practices are designed, expressly, to maximize the number, frequency, and amount of unjustifiable, hidden junk banking fees generated against account holders, by definition, those who can least afford it. This type of rent-seeking fee may be a customary practice amongst super regional institutional banks, but, it should not be considered justifiable.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (VA)

I made a purchase of an electric dryer from XXXX XXXX on XXXX/XXXX/XXXX  and paid {$660.00} using my PayPal account., the order number is XXXX. The order includes, cable, 30 ft hose and haul away the old dryer. 
XXXX XXXX came to my house on XX/XX/XXXX  to deliver the new dryer. However, XXXX XXXX did not provide all the supplies required and paid for the installation. 
They left the dryer uninstalled and left. I called them on the XXXX of XXXX, and they were supposed to call me back. No one called me. Then I sent them an email asking them to take the dryer back. NO Response. I have attached a copy of that email here. 

I then hired another contract and bought the missing parts and installed the dryer, The missing parts that I paid to XXXX XXXX costs {$30.00} and spent additional {$100.00} to complete the installation. 

Since XXXX  XXXX did not respond, I file a dispute with PayPal. I submitted all the information abut PayPal asked me to submit more information, which is basically, same information that I have already submitted. Yet, I resubmitted all the information and proof. 

After waiting for a month, PayPal sent me a generic email that my dispute is closed since the item was changed and they can not determine what happen. 

So, do these people at PayPal expect me to watch the uninstalled dry for over a month? I doubt Pay Pal did any investigation as they have not shared any outcome or vendors response with me. This makes me believe that PayPal is in improper business practice. PayPal misleads consumers and provides false information. 

I want PayPal to refund the {$30.00} for the parts that their client XXXX XXXX failed to deliver and an additional {$100.00} that I paid to the 2nd contractor. 

I also want PayPal to completely close my account that I was not allowed to do.
Consumer complaint received 2023-08-14
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX, AZ XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9 The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (GA)

I C SYSTEM Keep calling saying their attorney attempting to collect a debt that i had no knowledge of, i asked for proof in XX/XX/2022 still up till now i haven't received anything, I'm tired of the harassing calls this the only thing i have on my credit I'm trying to buy a house this year and this is holding me up. Please assistance me i have been battling with this for over 2yrs, they call before hours and after callout time i have recordings
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, I was locked out from my online banking I called Bank of America and The lady told me both my checking and credit account was being closed, I ask her for the reason she said that *We are not obligated to provide you with a reason * I went to the bank to withdraw some funds I couldnt I had to pay for Daycare the XXXX Finally a manager was able to help me withdraw a small amount, *I had over XXXX on the account * when I proceed to ask the banker what may be the reason of my accounts being closed he answered *I myself have reviewed your account and dont see any red flags its surely because of where you live, you race I also see a dispute for XXXX XXXX it may be for that. I was shoked I was with the manager of the bank told me that. I tried doing escalation to get the rest of my funds but its been 5 days they told me 3-5days still nothing AND ALSO THERE IS NO CLOSING DATE SO I DONT EVEN KNOW WHAT YEAR OR MONTH AM I GETTING THE REST OF MY FUNDS. I FEEL SO HUMILIATED
Consumer complaint received 2019-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

Im writing u this letter that this company claims I owe this bill. I dnt owe it and they wont delete out of my three credit report. The name of the company is Chrysler this debt is not mine and I demand to take it off my three credit report. Its not nan so I come to u to help me.
Consumer complaint received 2022-09-06
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. (MO)

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 XXXX credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9000.00}
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX card inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2023-06-23
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following 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 of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I am also a victim of the Equifax Breach.
Consumer complaint received 2023-06-22
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)

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Inquiries XXXX XXXX XXXXXXXX Banking : XXXX XXXX XXXX  XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Banking : XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX : XXXX  XXXX Finance : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Report Created On XX/XX/XXXX XXXX
Consumer complaint received 2022-09-06
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. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-22
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)

XXXX XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to Equifax XXXX, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX crefit limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be zero for XXXXl XXXX since they wrote it off and someone else acquired it. And since balance should be zero, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL CRDIT BUREAUS CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX
Consumer complaint received 2023-06-22
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)

In accordance with the Fair Credit Reporting act XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 an account without my written instructions I have already disputed these items but the bureaus did not remove them, nor prove validation.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

This complaint was submitted to Caliber Home Loans customer service representatives, collections representatives, and our XXXX XXXX from Caliber Mortgage. Caliber Home Loans was notified of this error many times via phone, email, and text. Request were made for an investigation of the transactions below ; accurate posting of payments made ; return of stolen funds ; removal of all late fees and any related charges ; and an accurate update to all credit bureau reports. 

Caliber Home Loans has not posted a payment made to our Mortgage account. The payment was made from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$1500.00}. 

Caliber Home Loans also stole money from the same XXXX XXXX XXXX XXXX account by taking an unauthorized draft of {$200.00} on XX/XX/2019 and did not post the money to our mortgage loan account.