davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-01
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. (NJ)

I have not received any confirmation on how you have verified the alleged account ( XXXX ) attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) **** 30 days have pasted and I did not receive proof that account ( XXXX ) is accurate. And therefore this account should be removed.
Consumer complaint received 2023-05-11
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 had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.
Consumer complaint received 2022-04-18
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 have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each report.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-04-15
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: DISCOVER BANK (KS)

I found XXXX inquiries on my credit report I do not know. I have not done business with either- Discover Financial or XXXX XXXX. I am cocnerned they have my personal information without my authorization and may use it.
Consumer complaint received 2019-11-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

This debts was already result in identity thief and was remove of my report I already rent to the local police already about this the fist company that had this debt was ncc business I made it known to them that I had no dealings with the XXXX XXXX XXXX and after investigat they deleted the account and now this new company pop up with the same thing
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I will include todays date XX/XX/22. The federal gov, needs to look into why credit card rates are to high and why when your credit score goes up the credit card companies do not reduce the rate?? When the federal gov started to regulate the bank rates the banks back door the feds and raised the credit card rates, For example I have a good score of XXXX my rate with capital one is 24.9 % on one card and 23.99 % on another card?? I don't use them like other people would but there was a time when I needed them ( right now people are hurting and are using them } No one can get ahead with these rates. Yes I have called them to reduce my rates. They said they can not do that { Mad } I am not the only one with this problem. My XXXX cards are 22.24 % and 25.74 % on the other ( mad ) If you need to used your XXXX XXXX ( which is for medical ) It is at 26.99 % This goes on and on. Yes again I have ask for reduced rates Answer NO People can get into so much trouble with these rates. So STOP these high interest rates and help People to get back on trac. These rates are way to HIGH for anyone right now And is the reason BIG BANKS are building beautiful buildings. Regulate the interest rates on CREDIT CARDS. After that check into the Buy here pay here at a low of 44 % +
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (CT)

My name is XXXX XXXX and I am a victim of Identity Theft. I have two XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also two inquiries that aren't mine XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX  Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.
Consumer complaint received 2020-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

On XX/XX/XXXX, USPS delivered a letter of correspondence to my home address from U.S. Bank Home Mortgage company requesting a W-9 Request for Taxpayer Identification Number and Certification. I DO NOT HAVE A BUSINESS, and WILL NOT SIGN OR CERTIFY that I have a business as requested by U.S. Bank. In contacting U.S. Bank three times on XX/XX/XXXX, this mortgaging company FAILED TO BELIEVE ME that I DO NOT HAVE A LICENSED BUSINESS. I spoke to the front line customer service rep. informing him that my 'part-time seasonal business of XXXX   XXXX XXXX XXXX was TERMINATED legally with the IRS as of XX/XX/XXXX ' ( home based business ENDING XX/XX/XXXX ), and that I will NOT admit to owning or operating any business now with completing the W-9. U.S. Bank made every effort to manipulate me into putting my Social Security Number on the W-9 Form, Signing it, and returning it. The IRS informed me by doing so would be admittance to owning a business, after confirming that the IRS NEVER CONTACTED U.S. Bank requesting that the W-9 be completed. 

U.S. Bank letter dated XX/XX/XXXX states, " The Internal Revenue Service ( IRS ) requires that we obtain verification of your Taxpayer Identification Number for your account. '' I DO NOT HAVE A TIN and I can only assume that U.S. Bank means my mortgage account with them. U.S. Bank goes on to write, " Please note that the IRS requires you to provide us with your correct Taxpayer Identification Number and that you are subject to {$50.00} penalty imposed by the IRS under Code Section 6723 if you fail to provide us with a correct Taxpayer Identification number. '' The IRS NEVER Contacted U.S. Bank, and per the IRS Clause of Confidentiality, the IRS would NOT access a penalty fee. U.S. Bank is acting Fraudulently by LYING that the IRS requested this W-9. The IRS NEVER REQUESTED THIS W-9, would not share my information to any 3rd party without written permission from me. 

U.S. Bank is fraudulently LYING to purposely gain money of {$50.00} from it's mortgagee ( s ), THREATENING me, the customer with an IRS fabricated LIE. 

Again, I do NOT have a licensed business or any business, and my former XXXX XXXX XXXX XXXX business was terminated in XX/XX/XXXX. I will NOT sign a legal document of the W-9, admitting to a business when I do NOT own a business now and NOT for the last 12 years. 

U.S. Bank should be sued for LYING by claiming the IRS requested this information, when the IRS never contacted U.S. Bank, and should further be penalized for falsifying and threatening an account holder of an IRS Penalty of {$50.00}, when this claim was solely created by U.S. Bank.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (FL)

I XXXX XXXX, Purchased a vehicle XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and was over charged. I paid XXXX for a vehicle that wasn't valued that much-its called ( USUARY ). ********** I literally am paying XXXX for this vehicle, if i pay XXXX to this rip off company. I was involved in a accident on XXXX XXXX and was not at fault. I was injured badly and the vehicle was totaled. Once everything was said and done i discovered that i had purchased GAP Insurance and was told that the dealer overcharged me for the vehicle therefore they will not pay anything towards the claim. Santander Consumer USA my Acct # XXXX has reported to all 3 credit bureaus i owe XXXX towards this vehicle which is incorrect. I would like all 3 credit reports updated and fixed showing this company being removed and marked paid in full.They legally got paid all the money for the vehicle and is trying to hold me hostage in this matter for another XXXX, the over charged amount. 
I want this removed off my credit file or marked as paid in full with all 3 credit reports.
Consumer complaint received 2023-07-13
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. (LA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Was served with a complaint from Portfolio Recovery Associates LLC on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from Portfolio Recovery Associates LLC for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. Portfolio Recovery Associates claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. Portfolio Recovery Associates LLC has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The JP XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel Portfolio Recovery Associates LLC followed the rules of civil procedure as well as the JP. Maybe they do this alot as I see many many cases with this same JP. But they failed to verify the debt. If you need further information please feel free to contact me.
Consumer complaint received 2023-07-12
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. (TX)

I CALL THE FRUAD DEPARTMENT SEVERAL TIMES BUT THEY KEEP TELLING YOU HAVE TO SUBMIT A CFPB REPORT IN OTHER FOR THEM TO DELETE AN UNAUTHORIZED XXXX I WRITE THEM SEVERAL TIMES BUT THEY ALWAYS REPLIED ACCOUNT VERIED WITH NO PROOF
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-06
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: EQUIFAX, INC. (VA)

The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Equifax. 

The fraudulent accounts are : XXXX Bank XXXX and XXXX XXXXXXXX XXXX.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Synovus Bank (TX)

I called first progress numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have mailed package XX/XX/2022 to Transunion with astronomical amounts of incorrect/ inaccurate and incomplete information my credit report. I asked Transunion to correct all the information or delete the accounts. Due to these inaccuracies and incomplete information on my report it leads me to believe that my previous disputes were not address or investigated nor were they validated or verified as it pertains to most of the same accounts disputed. How can TransUnion have verified/ validated these accounts when they have inaccurate and incomplete information? This is very concerning to me as I as the consumer are not being taken serious and do so believe that no real investigation has ever been done by TransUnion due to the inaccurate information and incomplete information which I determined from TransUnion own report that I received. I need these matters to take immediate attention and for these matters to be resolved without delay. I would love to get an answer as to how they investigated/validated/verified these disputes and my previous disputes and what companies they used to do so. I would also like to know how they came to their conclusions when they are reporting inaccurate and incomplete information then wouldn't that mean that their results would be inaccurate and incomplete and therefore in direct violation of the FCRA.
Consumer complaint received 2022-09-05
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. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 has violated my rights. Or a list of inquiries : 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 2022-04-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # XXXX XXXX