davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX XXXX XXXX SERVICES : XXXX However, they stated everything was complete and accurate but how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX After reviewing my credit report access all XXXX credit bureaus, I noticed inaccuracies regarding this account. 
XXXX and Equifax are reporting late for the months of XXXX and XXXX of XXXX while Equifax is reporting late for the months of XXXX and XXXX of XXXX. These inaccuracies are impacting my scores and is a violation of 15USC 1681.

15 usc 1681 code ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These late payments being reported are also on violation of 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
15 U.S. Code 1666b - Timing of payments The timing of required information is received past XXXX  day time frame. 
XXXX XXXX credit bureau By definition an open end consumer credit plan is XX/XX/XXXX Open-end credit is revolving credit that allows you to continually access money as you make payments and only pay interest on what you use.
Consumer complaint received 2024-01-18
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  / XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I signed up for XXXX XXXX, ALSO XXXX XXXX, XXXX internet in XX/XX/2020. The internet equipment delivered was stated to be an easy self-installation. I spend several hours on hold waiting for customer service to have a technician sent to my house. A technician was finally scheduled on XX/XX/XXXX, but his arrival was 4 hours after the scheduled window of arrival time, and I was unable to be there to let him in. Several attempts to reschedule were not accommodated. I spoke to customer service several more times and they indicated I would not be charged as I never received any services from them. I returned the equipment to the local branch. On XX/XX/2020 they referred by debt to AmSher collection services. I told them the debt is invalid as I never was able to use the service nor connect to the internet through there services. They took this back to XXXX XXXX, XXXX who continues to contend that the debt is valid. AmSher is threatening to place a collection account on my credit report, and I think this is invalid and highly unethical. 

My Creditor account number is : XXXX My AmSher Acct # is XXXX I'd like to stop receiving phone calls and letters related to this and have this unwarranted collection service to cease.
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. (PA)

n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 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 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with XXXX but the account status is also being reporting to being an Open account with XXXX and barely any information being reported for EQUIFAX. Also XXXX accounts are being reported and updated as a collection on my report. These accounts are also stating a balance of {$340.00} when the balance should be XXXX due to these accounts being charged off as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-07
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. (GA)

This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. 
FRCA 15 U.S. Code 1681a 2 ( A ) ( i )
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I went to XXXX  XX/XX/XXXX and I got out XX/XX/XXXX I wrote chime while I was there and told them to lock my account because someone had robbed my house and stole everything bank cards and all they never did and they let someone take all my money and change the address on my card I get XXXX so the social security office is making me pay the money mack that was stolen because it was over payments I have sent chime a police report all of my state of XXXX  paperwork that shows that I was XXXX XXXX and they still will not pay me back can you please help
Consumer complaint received 2020-10-05
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. (VA)

This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 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 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I have filed 2 complaints against SLS Servicing with CFPB. The last response regarding reissuing an escrow check to me from SLS Servicing dated XX/XX/2020, stated : " You should receive it in your mail in the coming weeks. We regret the inconvenience this matter has caused. '' It isXX/XX/XXXX, and I have not received a check.
Consumer complaint received 2024-01-18
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. (LA)

My information such as my social security number and address and other personal information was breached in XX/XX/2023 I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because XXXX, XXXX and Transunion, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization, and or written consent. According to 15 U.S.C. 1681 b ( 2 ) I would like to have these accounts removed from my credit report immediately.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I do not recognize or understand how these accounts are reporting. Please remove from my credit report immediately. 

The inaccurate reporting is a volition of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED EQUIFAX INACCUARATELY REPORTING LATE PAYMENTS FROM MY CREDIT XXXX ACCOUNT. 

I CONTACTED EQUIFAX AND ADVISED THEM OF THE ERRORS. I HAVE REQUESTED PROPER VERFICATION TO VALIDATE THESE LATE PAYMENTS. 

ACCORDING TO THE FCRA, SPECIFICALLY REGARDING BILLING ERRORS 15 USC 1666B STATE, THE CREDITOR HAS TO SEND A STATEMENT XXXX  DAYS PRIOR, AND UNDER A OPEN END CONSUMER CREDIT PLAN A PAYMENT CAN NOT BE CONSIDERED LATE FOR ANY REASON. I HAVE REQUESTED PROOF, A COPY OF THE CREDITORS BANK RECORDS, OR PROPER PROCUDE TO ENSURE THE ACCURACY OF INFORMATION BEING FURNISHED TO MY ACCOUNT WHICH IS STATED IN 15 USC 1681 ( E ) B.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

I opened a checking account in XX/XX/XXXX. It was part of a promotion. If conditions were met, which were a certain amount of deposits and withdrawals, I would receive XXXX bonus miles on XXXX XXXX within 30 days of completing the requirements of the promotion. I did so on XX/XX/XXXX and I have yet to receive the miles. 

My husband opened a checking account as well on XXXX. He met the requirements on XX/XX/XXXX and he has also not received the bonus miles. 

In the terms and conditions of the promotion, it states clearly in bold face that the miles would be credited within 30 days of meeting the requirements. The bank has been stonewalling me for almost 2 months. I was going to use these miles for a vacation in XXXX, which now is highly unlikely. 
I would think this is considered Fraudulent!!
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My problem started about a little over 1 year ago when I opened my business account with Bank of America in XXXX XXXX. I was charge for so many late fees even and overdrafts every month. In the beginning of the month of the first month Ive tried really hard to keep my account balanced but the mobile app felt like the transaction keep my XXXX  out my balance as if it was moved around or some sort to make it seems like I charged double on my transactions. So I called the bank to get help with stopping some of the services I sign up to be a scam and they told me they couldnt do anything about stopping them from pulling from my account. I had told Bank of America that Im trying to apply for a loan so please I cant have my account go to Overdraft. This went on for months. My wife got desperate because our business was falling behind on funds for employment and inventory. She found some offers online and from her email saying they would approve us for a loan easy. So she was so happy to tell me that we would get approved but they needed our login and password to our banking account so they can put the money in. Well sure enough it was too good to be true. We never got the loan except we have given our info including social security number and accounts info to consolidating debt, lending tree, speedy cash, and services that would charge us XXXX percent on interested! Now Im here at my bank today. Trying to get control of my account because I had lost my phone number and I just.needed to verify its me with two government Id. Well guess what its been months and the bank doesnt care at all. Any minute my accounts could be have massive overdrafts or who knows what could happen. I just need access to my account and Im here in person. Please tell me whats going on because if I have many late fees. Obviously they wont waived it for me. Sigh I hope today is the day they explain to me why they are letting scammers for as long as they want and I cant do anything about it.
Consumer complaint received 2023-03-10
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. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. Three different account statuses, different account numbers, account openings dates, balances, last payment dates, and inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted identity theft reports ( Ftc report # XXXX ) from the proper authority and proper documentation of invalid and inaccurate information on my credit reports as well as proof of my true identity to TransUnion, XXXX and XXXX by certified mail on XXXX XXXX XXXX with all 3 letters confirmed to be delivered between XX/XX/XXXX and XXXX. They ignored certain verified claims, removed and then reposted others. XXXX even denied receiving some of the documents despite the proof of delivery I have. I have attempted to contact and redispute and have never received a reason or proof of validation from any of them as to why I was denied. My reports don't contain the dispute statement either.
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I sent an email ( internal to Hyundai Finance Website ) approximately a month ago warning them that they had scheduled a regular payment ( {$340.00} ) for XX/XX/XXXX though the remaining balance on loan was {$280.00} but they ignored it. On XX/XX/XXXX, Hyundai Finance debited my checking account {$340.00} by ACH transfer, that is an overpayment of {$60.00} on loan, I financed {$22000.00} at 0 % in XX/XX/XXXX, there is now {$22000.00} in payments. This overpayment is an unlawful conversion of funds, they were forewarned though it is not my responsibility to do their accounting, and I now wonder how many consumer accounts they are stealing from. I called ( XXXX ) this morning and spoke with a Supervisor named XXXX in Texas to demand that my funds be returned to me by the same method ( ACH Credit Draft ) but they refuse to comply. Furthermore, I told them to cease and desist from any future ACH debit transfers from my checking account as the loan is more than paid in full, and to send my pink slip removing them as the lienholder. I have no assurance from Hyundai Finance will do the right thing considering they have already engaged in unlawful fund  conversion. I now have to call my bank ( XXXX XXXX XXXX  ) to dispute the transaction and I will have to pay fees to stop payment on ACH debit.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX