davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

On XX/XX/23 I received notification that account was deleted of Equifax report the account was lvnv funding this collection was deleted then Equifax allowed account to be resubmitted after I sent in all documentation to prove it was identity theft reference cfpb XXXX in this complaint Equifax acknowledged deleting XXXX account
Consumer complaint received 2024-03-15
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)

I review my credit report and notice these fraudulent accounts and I was victim of audentiy deft. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2019-12-02
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. (PA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}
Consumer complaint received 2023-01-22
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. (SC)

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from XXXX places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, equifax removed it, XXXX has been giving us the run around. XXXX removed it for us no problem. 
We sent a letter to all XXXX, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX XXXX XXXX, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported XXXX negative accounts Progressive I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX XXXX XXXX  when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Consumer complaint received 2023-03-16
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: SYNCHRONY FINANCIAL (TX)

This creditor stopped accepting my payments and then marked ME as late on an open account. 

In accordance with the fair reporting act Synchrony Bank/ PayPal has violated my rights. Under 15USC1681 section 602 states : I have the right to privacy.

15USC1681 section 604A section 2 It states that a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (TX)

I value the efforts already made to address some inaccuracies in my file resulting from incorrect reporting on my credit report. However, there remain several inquiries and an inaccurate address that require removal. After reviewing my credit report, I noticed persistent inaccuracies that I find problematic. Upon contacting the companies listed below, I requested the removal of these inquiries from their records and the deletion of any associated records with credit reporting agencies. They have assured compliance with my request and the necessary steps for resolution. Nonetheless, I am reaching out to ensure these corrections are fully implemented. The list below details the outstanding inquiries and the inaccurate address that need to be excised from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As a forthcoming mortgage applicant, I am keen to ensure my credit score accurately reflects my creditworthiness. Enclosed with this communication is my updated FTC report, numbered XXXX. I request a comprehensive report on your findings within the next 30 days, anticipating prompt resolution to this matter.
Consumer complaint received 2022-12-11
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. (NV)

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 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 sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am currently disputing inaccuracies on my credit reports with XXXX, Experian, and XXXX so I dont understand how I received a notification for a hard inquiry this morning when all 3 of my reports is supposed to be froze.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Mr. Cooper Group Inc. (NM)

I heard a bullet go or a fire arm in the recorder, and the recorder took a picture. of the men that came " I did not hear anything as I am deaf and was hearing TV, since I am on oxygen and bedbound. My daughter was asleep and his son not in the house I took pictures, these men tried to oopen my door and my window and now the window does not close well, they broke it. 

They posted something in the door which is talking about a 3 day notice for eviction from some realtors. These realtors approached me to vacate my home, attached. it is my personal residence for the last 16 years and my husband ( late ) and I and my chidlren paid cash for it It is paid and we paid the property taxes, and all and reported to IRS since XXXX. 

These people I was told are from a company in XXXX or in XXXX 
XXXX XXXX. registered under the name XXXX XXXX XXXX as " owners '' of my house incorrect because XXXX XXXX ordered the attorney to deliver our titles to my family long ago and the attorney to collect from XXXX in XXXX We paid cash for our home. 

The case is a 10 year litigation, out of which we lived here 16 years as our personal residence, I sold it to my son in XXXX but we have not been able to close because first american could not get a note or a payoff from nationstar Who are these people, other fraudsters? They are never mentioned by our title insurance policy in XXXX Is this a " deal between mr cooper and XXXX XXXX and XXXX XXXX and XXXX XXXX '' with " XXXX XXXX and XXXX XXXX ''. I am the owner with my late husband ( probate in process ) and the heirs not anyone. the situation is on appeal with the courts because the bank Mr Cooper lost my XXXX dolars in cash sent through the fiduciary from XXXXXXXX XXXX XXXX XXXXXXXX checking account to payoff the tax form that mr cooper sent to the irs. XXXX has not been delivered back free of liens by nationstar I know fidelity title ( where XXXX XXXX, the escrow realtor who sold us the home at XXXX title in XXXX ) and XXXX XXXX hired a california realtor to post the sellingn of the home for XXXX which is absurd and I did not authorize him to do that. They were reported. However I never met the XXXX XXXX XXXX XXXX in XXXX ( XXXX and XXXX XXXX ) nor the connecticut company. 

They need to be added to the litigation too if hey are intruding. Please do not break my windows thummping on them and not try to enter my house messing with doorknowbs to open the door saying you are the " police ''. I have not committed any crime, on the other hand the bank has my retirment and the military pension of my husband ttah was paid for the paoff of the real estate contract over 6 years ago. Who are this people working with crooks or what are tey sent by bousliman, or by the bank?
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Another data breach with Equifax on XXXX XXXX, XX/XX/2023. Went to try to purchase my wife a piece of jewelry and was instantly denied due to Equifax stating I am deceased. No report or credit score to show. 

Demanding {$1000.00} per account for this flagrant violation of my credit report and accounts. 

Send an updated credit report and score once the data breach has been cleared. 

We can not trust the credit bureaus with our information. Our consumer information is being exploited and flagrant violations are continuing to occur.
Consumer complaint received 2022-12-11
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 (NY)

I reached out to Capital One about an almost 30 % apr on a credit card for several reasons. One ; that was not the promotional and or advertised rate for the card. Two ; the rate was almost double the national average. Three ; my XXXX XXXX and XXXX XXXX combined did not equal the Capital One credit card. They refused to review the apr and instead told me to make 3 or more payments each month.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

The division of customers bank has had this problem with my account for at least XXXX years they've been stealing my money now I recently opened my purchasing two bonds worth the dollars each I requested two bonds be sent to customers bank / mobile vibe account also I linked my brokerage account to customers bank and now they closed my account I'm able to view my account online without viewing my money in my account this bank has done this every month they make it like transactions are in pending status when the items already been charged its a skeem. The items they say are pending is the items value the trying to steal catch them right in the act with this message please.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2019-07-31
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. (MN)

The following accounts and credit inquiries listed on my XXXX XXXX, Experian and XXXX   credit report are all fraudulent accounts and credit inquiries, and are not my accounts or credit inquiries : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX XXXX, {$430.00}, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. I been receiving harassing, threatening and annoying phone calls of abusive and profane language, threats of legal action, arrest, jail, prison, harm, violence and death, from XXXX XXXX XXXX and XXXX XXXX XXXX Call Center Representatives and Debt Collectors, which is an egregious, illegal and a violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-30
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. (TX)

In accordance with the Fair Credit Reporting act 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 2019-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (TX)

After hurricane Harvey in XX/XX/2017 I made a claim with Conn 's home plus regarding items lost. I pay for their warranty on all my products. I was told there was a high volume of claims and it would be a while. I waited 6 months, sent them multiple emails, took pictures of the damages as requested, and kept being told to wait. Two years later they have completed ignored me and I can not keep making payments in items I don't have because of damage. They took advantage and have committed fraud against me. I want this solved so I don't have to hire a lawyer.
Consumer complaint received 2022-09-30
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. (MI)

In accordance with the Fair Credit Reporting and XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (CO)

On XX/XX/XXXX I opened a new Checking account with Keybank with a promo code for {$400.00}. The banker sent me an email on XX/XX/XXXX asking for more information. I provided the still active direct link to KeyBanks own website with the bonus offer. I have adhered to all requirements of the offer. On XX/XX/XXXX The banker emailed me stating I would not receive the bonus. Here is the link. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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. 

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.