davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

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.
Consumer complaint received 2017-04-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WINN LAW GROUP, APC (CA)

Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.
Consumer complaint received 2023-07-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is now my fourth time that I have reached out to Transunion. Ive also contacted Transunion on XX/XX/2022 and still there are inquiries that were not removed. Why do I have to keep reaching out to your bureau in regards to the same thing. You have not removed the inquiries that I sent a complaint about on XX/XX/2022. For the forth and final time Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint # XXXX and XX/XX/2022 under complaint # XXXX. There are still 2 remaining inquiries that shows as the following on my credit report that has not yet been removed XXXXXXXX XXXX XXXX  and 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 an account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

XX/XX/2020 requested credit correction fraud alert freeze security release asked the hard inquiry be removed along with my address being corrected. I filed a police report and sent it to them as proof and requested the credit report be updated they refused
Consumer complaint received 2023-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WI)

I declare under penalty of penur ( under the laws of the XXXX XXXX, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. 

Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-02-27
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2024-02-07
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)

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 identity theft and did not make the charge. I ask 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 2022-12-12
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. (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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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 2022-12-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (NY)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NPS GROUP (SC)

A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

I opened a Cash App account that the company forced me through a series of invasive request for personal identification documents, social security number, biometric data, and everything else except a DNA test. The company sent multiple communications stating that their identify verification criteria had been satisfied, and that the account was approved to be open. 

There account never worked. Both incoming and outgoing money transfers always failed. On XX/XX/year>, the account was locked for absolutely no reason. Cash App for a second time started demanding a series of the same documents the company already possessed. Even worse, the company started demanding personal photographs, and copies of my credit card ; despite having no financial affiliation with this company ; nor any reason to provide this information. 

Cash App does not have real-time customer support. The company uses XXXX to reply to its customers, and then leaves them in a void without any further assistance.
Consumer complaint received 2023-02-27
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. (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, 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 2017-04-06
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

A payment was issue or authorized by myself, to be payed on XX/XX/2017, for XXXX dollars for a credit card payment to XXXX. Another advanced payment was authorized by myself on XX/XX/2017 to pay Citizens Bank Credit Card XXXX dollars. 
Citizens Bank took the XXXX dollar payment and payed themselves " citizens credit card '' on XX/XX/2017 and then failed to pay XXXX which then caused a " late-payment fee '' because of the delay. 
I have no trust in the Citizens bank because this is the second time this has happened and caused me fee 's. 
I need for the commission to investigate and catalog these actions by Citizens Bank because they have no remorse for their mistakes.
Consumer complaint received 2019-05-07
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. (GA)

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX. There were also some inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (UT)

CareCredit.com is who I am trying to pay back, but I found that I am charged an astronomical late fee if I do n't make the monthly payment. My understanding was that if I paid the amount that CareCredit loaned to me, that is the total that I would pay within the " interest window ''. I borrowed {$750.00}, made a payment of {$140.00} and my balance is {$1000.00}. How is this transparency allowed to be carried out by CareCredit when I am still months within the payoff date?? This is wrong to charge these fees, especially when I am not past the XX/XX/2017 payoff date.
Consumer complaint received 2024-06-17
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: Chime Financial Inc (GA)

On XX/XX/year> I was a victim of a crime where my phone was taken from me ( stolen ). the accused somehow obtained access into my phone which allowed him access to my passwords and accounts and through multiple transactions sent himself money from my account ( savings/checking ) and online payments for transportation services. the crime and all this was reported to the authorities which chime was provided everything from the info to the officer that took the report to the detective investigating. chime approved some of the small transactions but denied my larger amounts and could not provide a clear and valid reason for the denial.
Consumer complaint received 2024-06-15
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: HYUNDAI CAPITAL AMERICA (FL)

On Wednesday the XXXX of XXXX I had gone to return a used car to XXXX XXXX of XXXX. As I sat down with the XXXX XXXX by the name of XXXX XXXX XXXX of the first things I had explicitly told him was that I did not consent to run my credit. When I told him I would not finance with the dealership and that I wanted a refund instead I was threatened with getting charges pressed against me and was harassed. 

During XXXX of the periods he stepped out of his office to speak with his manager, I noticed that there were multiple credit reports ran on me with various banks. Many of these banks I have never even heard of in the span of under XXXX minutes as I saw push notifications from experian as this transpired. Some of these include XXXX XXXX, XXXX and XXXX. XXXX XXXX of XXXX is the name of the dealership and XXXX of the inquirers on the XXXX despite expressing vocally that I did not agree to have my credit ran. I did not apply for credit with any company at any time on XX/XX/year>. 

I had confronted the finance manager and he said and insisted that I had to finance that day with the dealership including handing me a quote for a finance payment that I did not agree to and did not sign anything that day. He did not give a real answer as to why he had ran my credit and persisted and demanded that I sign on for financing. I had left the vehicle in the dealer lot and my keys with the finance manager.
Consumer complaint received 2017-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (TX)

I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.