davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-16
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)

I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.
Consumer complaint received 2020-01-16
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. (CT)

I sent a certified letter to Experian on XX/XX/XXXX. It was received on XX/XX/XXXX ( as shown on certified receipt ). Experian blatantly ignored all of the inaccuracies and violations which were pointed out to them in said letter and continued to report the exact same inaccuracies and violations on my subsequent credit reports ( XX/XX/XXXX and XX/XX/XXXX ). Their failure to remove inaccurate information is severely impeding my ability to repair my credit. My credit report is riddled with inaccurate information which they are purposely reporting! I will attach a copy of said letter as proof.
Consumer complaint received 2022-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had disputed a collection account from XXXX with TransUnion in XX/XX/XXXX. Transunion could not verify the account and deleted it from my report. Transunion then reinserted the collection without a written notice within 5 business days which is required by the FCRA. I sent Transunion a reinsertion letter on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from Transunion.
Consumer complaint received 2020-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2023-02-06
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. (FL)

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 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 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (AR)

Sheffield Financial pass word reset did not work correctly i was directed to contact the institution. 
I have spent XXXX on XXXX different days to get this fixed. 
call centers are jammed However this is XXXX loan and they are charging extra interest. 

you would think for customer that held on for XXXX min and then had to abandon they would call back. 

I don't want to be charged XXXX extra days of interest because of their in ability to staff their call center or manage their technology.
Consumer complaint received 2023-02-21
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, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3  years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (CA)

Hello! 

I have been a customer of nordstrom for over 10 years and typically I am given notification when a bill has not been paid. I was never given notice until 2 months. My automatic payment for some reason was effected. I paid right away when notified but I also had sent money previously and unsure why a late is reporting.
Consumer complaint received 2022-10-31
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2020-01-16
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: Experian Information Solutions Inc. (CA)

I found many accounts and inquiries on my credit report that are not mine. I found out today XX/XX/2020 because I was not approved for a car loan so I decided to look into my credit report to find out my I was denied. I did not open any of these accounts and I did not allow anyone to open these accounts using my information. I called the creditors and I was told that these accounts belong to someone named XXXX XXXX ; I don't know who that is or why that person opened those accounts using my information. I did not benefit anything from these accounts nor did I ever make any payments towards these accounts. I filed a police report as soon as I found out about these suspicious accounts.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

I sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.
Consumer complaint received 2021-06-29
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. (FL)

These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP
Consumer complaint received 2023-02-03
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. (NC)

To Whom This May Concern, I have spoken with customer service representatives from XXXX XXXX and i was informed that they did not know why the account was reported as late payments received.This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : Inaccurately reporting Late payments on credit report when all payments were paid on time with XXXX XXXX Account The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 3 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.
Consumer complaint received 2020-01-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (FL)

This collection corporation is doing business as EOS CCA. When communicating with me, they did not indicate that they did not have a licenses in the State of Florida to conduct business. At this time, I desire to sue them, in the State of Florida for false representation of their license. As such, they have illegally obtained my Social Security Number under the State of Florida. On top of that, they have illegally obtained my social security number under Federal Law.
Consumer complaint received 2023-01-17
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. (GA)

I pay off this account and I did there's the same day I paid my other credit card off which was XXXX XXXXXXXX ironically make three months later I see that the account is still open and accumulating late fees in which I did not understand why the account was still open when I asked for it to be closed and pay it completely off way in XX/XX/2022 I don't know what in the scam is going on but these people are refusing to correct this information and forcing me trying to make me pay on this account when I reported back in XXXX maybe XXXX sometime that my card was stolen and I never got a replacement card or anything because I didn't want one because I was under the impression that this account was closed not by the the credit card company but by me because I did not know who had my card and I did not want my credit check up so I gave them the amount of money that I owe on the accounts including the balance they know they are wrong and they refusing to fix this and I need help because I am totally right and I have evidence for that it's up you can check my credit statement from the company and you will see that I have paid this account off these people have XXXX XXXX my credit I never been late on a payment and I have always paid my credit card before it was due and this is how they do me shame on them and also they refuse to and notice that I close my account way back in XXXX when I paid this off and they refusing to pick accurate information in my reports but I have a few to prove that I am tired of the running around when I called the company and fix this something has to be done
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation of America (AR)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-02-09
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. (NC)

My name is 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 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One 360 Checking Account - Online and Mobile Account Access and Management!! 

I have a 360 checking account with capital one and every time making payment using my routing and account number. These transactions do not show up under any pending, processing, scheduled, future, etc. within my transaction activity history. Although these payments are reflected in my available balance!? 
Online account manager on the account page there is an Icon next to it. 
" Upcoming Transactions '' click on it. 
It states " These are transactions that are set to happen in the next 30 days. Since they have not happened yet, they do not affect your available balance. If you have transactions scheduled for more than 30 days in the future and would like to edit or delete them, please call us at XXXX any day from XXXX - XXXX. 
" Past Transactions '' click on it. 
It states " This includes transactions that have affected your balance. 

Now if this is the case then why are none of the payments which I make using routing and account number not listed within these categories instead of not even being visibly listed entirely under my transaction activity!?!?! 

I initiated chat with capital one customer support within from my online account and spoke with representative who first told me it was a known tech issue. Okay that's fine if it was the truth, then why did I not receive anything notify me of this known tech issue?? Then further into our conversation he told me that it was just how there system processes these types of payments. Okay that's also fine if it was the truth!! The answers he provided to me was contradicting just like the online account manager it is  deceptive!! Providing capital one customers with inaccurate account information!!