davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX 
Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number: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 2023-03-03
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (RI)

Dear SELF/LEAD BANK ( Account # XXXX ) I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LK Manley, Inc (SC)

Since XX/XX/2020 I have reached out to this collection agency Valley Credit Services also known as VCS requesting for verification. Valley Credit Services responded saying it has been verified. I then asked them for a contract with my signature showing we have a contract to do business, they responded without a contract stating they will not respond again and by law they are not required to respond to my request of such. Secondly, Valley Credit Services VCS, report to the three credit bureaus different amounts to keep reporting one month they report {$610.00} the next month they're reporting {$610.00} and back and forth switching the dollar amount they are requesting. They are a debt buyer trying to collect money that's not owed to them and tarnishing my credit at the sametime.
Consumer complaint received 2021-01-11
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. (TX)

XXXX, Equifax, XXXX XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX account XXXX XXXX mazuma credit union 2014 ford XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (DE)

On XX/XX/XXXX I tried working with someone from US Bank to locate statement and account activity for a Checking Account. I had a total of two Checking Accounts with US Bank ; one that is closed and one presently opened. The challenge I am facing, is that when I was trying to get information on the closed account I am told it was purged and that there is no document retention available because it's been over 7 years from when it was opened. The closed account was opened in XXXX but sometime around or after XX/XX/XXXX. My SSN is XXXX. I am requesting assistance because I need to locate check activity that potentially occurred between all of XXXX and all of XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done! I've sent in everything that was asked of me!
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement. 

I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account. 

Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees. 

Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT. 

Td bank never sent me written communication of these excessive fees. 

Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO. 

Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (FL)

On XX/XX/XXXX, XXXXat XXXX XXXX I received a response from Google pay specialist concerning a previous complaint against them : thank you for waiting patiently for our update. THIS IS XXXX AND WE'RE GETTING BACK TO YOU AS YOU FILED A CASE WITH CFPB. TO HAVE YOUR REMAINING MONEY IN GOOGLE PAY REFUNDED TO YOUR BANK ACCOUNT PLEASE COMPLETE THIS SECURED FORM ( https : //support.google.com/pay/contact/usd_wb_ach? XXXX & XXXX & XXXX ) please do you this form now, even if you previously link a bank account to Google 's payments service I would like to make sure that we refund your money promptly to your preferred bank account with your most updated information thank you and have a great day thanks XXXX the Google support team. As on XX/XX/XXXX I noticed that my money was not in the account anymore but {$3.00} which was a total of {$61.00} so TODAY XX/XX/XXXX I CALLED THEM CONCERNING THE WHEREABOUTS OF THE PHONES I WAS SUPPOSED TO BE TRANSFERRED THROUGH THE PAYMENT FORM METHOD WHICH REQUIRED A BANK ROUTING AND CHECKING NUMBER BUT AS I WAS TALKING WITH THE REPRESENTATIVES THEY SAID THAT THE MONEY WOULD TRANSFER BACK TO THE SENDER WHICH IS TOTALLY AGAINST WHAT I RECEIVED ON THE SECOND OF XXXX WHICH DOES NOT COMPLY WITH WHAT THE AGREEMENTS WAS ON GAMES IS ALL I'VE BEEN GOING THROUGH WITH GOOGLE PAY WHY WOULD HE SEND ME A FORM TO REQUEST THE MONEY OUT OF MY ACCOUNT TO MY PREFERRED BANKING CHOICE TO JUST SEND IT BACK TO THE SENDER WHICH DAY WAS NOT SUPPOSED TO DO THAT IS ILLEGAL IN THAT IS STEALING TO GO INTO A CUSTOMER 'S ACCOUNT AND SEND IT BACK TO A SENDER WHICH YOU MAY NOT EVEN KNOW IF THAT WAS SUPPOSED TO EVEN TAKE PLACE CUZ THERE WAS NO FORM OR NO A KNOWLEDGEMENT FROM ME TOOK HIM TO MAKE THEM FEEL AS SUCH TO DO SO. I TOTALLY FEEL XXXX VANDALIZED AND FEEL LIKE MY ACCOUNT WAS VANDALIZED AND FUNDS SENT BACK TO SOMEONE THAT WAS NOT THR SUPPOSED AGREEMENT. I want to take a lawsuit out on Google pay, Google llc, alphabet on this matter come through this far too long since XX/XX/XXXX of this issue and just for them to send my money to a wrong account let alone a reversal and not a transfer why would I receive a reversal if I got a transfer form on the XX/XX/XXXX and my money was taken out of the account on XX/XX/XXXX. I have that email case number ID that has that form. Your Google Support Inquiry : Case ID [ XXXX ] Also I would like to seek section 2102 california financial code.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC (MO)

This is for the following debt collection companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.
Consumer complaint received 2021-01-12
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: Western-Shamrock Corporation (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-11
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: CarMax, Inc. (NY)

On XX/XX/XXXX I was on CarMax looking for a vehicle. Just LOOKING As of today, XX/XX/XXXX, there are SEVEN hard inquiries on my credit report all submitted on XX/XX/XXXX by CarMax. I DID NOT enter my social security number on CarMax.com, NOR did I authorize this company to run my credit SEVEN times with SEVEN different banks. I called CarMax corporate today XX/XX/XXXX after receiving two out of seven letters from auto loan bank companies and one of the representatives had the audacity to ask me for my social security number!! I asked the woman " why do you need my social security number if your company already ran the inquiries without my permission '' and to that, she did not have an answer. I told her I did not feel comfortable giving CarMax my social security number at that point. This should be a quick fix! There is no reason why the company made me jump through hoops and hurdles for an issue that they could fix with the press of a button. I'm a young single mother who is in the midst of repairing her credit. I had a goal to BUY a vehicle in XXXX. But due to CarMax malicious intent, I don't see myself being able to accomplish my dreams sadly. I am completely and utterly devastated at the hit my score has taken because of this
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I spoke to the Trans Union XXXX, XXXX. He said that they can charge me to know my score. I advised him that they are sharing XXXX with creditors and I should know my credit score without it being held for ransom so that I can make informed decisions related to an interest rate I am being charged based on a score that creditors know and I need to pay for. Seems as if this is a violation of FCRA as I am entitled to see what perspective creditors see without being guaged to pay for it. Almost seems like the basis of a class action Lawsuit. He said thats the way it is and my attorney can better explain. Other reporting companies ( Experian/Equifax ) provide without requiring a ransom payment.
Consumer complaint received 2023-05-26
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. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding unauthorized inquiries and the misuse of my credit report. The incidents in question occurred between XX/XX/XXXX and XX/XX/2023. I believe that XXXX XXXX XXXX has violated several provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

I have provided a detailed account of the events below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023, Unauthorized Inquiries : During the aforementioned dates, I visited XXXX XXXX XXXX to inquire about purchasing a vehicle. I specifically requested that my credit information should not be accessed without my explicit consent. However, despite my instructions, XXXX XXXX XXXX conducted multiple unauthorized inquiries on my credit report. I have evidence in the form of notifications from the credit reporting agencies indicating these inquiries. 

Misuse of Credit Report : Furthermore, I discovered that XXXX XXXX XXXX misused my credit report by disclosing it to unauthorized parties without a valid permissible purpose. I obtained this information through subsequent credit monitoring services, which alerted me to unauthorized access and sharing of my credit information. This unauthorized sharing puts my personal and financial information at risk and violates the privacy protections provided by the FCRA.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc. (PA)

I received a packet of papers from the company First Financial Asset MGMT. Inc. ( FFAM ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor XX/XX/XXXX When I called and asked what the company is known for XXXX XXXX XXXX, they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
Consumer complaint received 2023-01-21
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS