davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the Fair Credit Reporting act DEPT OF ED/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 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.
Consumer complaint received 2022-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I XXXX XXXX the natural person and consumer as defined by the FDCPA 15 USC 1692 ( a ) ( 3 ) who is submitting this complaint on my own behalf there is no third party involved. XXXX XXXX XXXX XXXX XXXX XXXX have invaded my right to privacy by sending a letter received on or about XX/XX/2022 which was dated XX/XX/2022 stating that the consumer owes a debt. XXXX is a debt collector as defined by the FDCPA 15 USC 1692a ( 6 ) and has violated the FDCPA. The receipt of this communication was at a very inconvenient time and was an attempt to harass me to coerce a payment of an alleged obligation by way of intended misrepresentation. The receipt of such document is misleading and it appears to be from an attorney which is a violation of 15 usc 1692 ( e ) ( 3 ). Pursuant 15 USC 1692 ( c ) ( a ) I have never given this company my direct consent to contact me or to have my personal information.This is a huge invasion of my right privacy. It is clear that this company has violated the FDCPA and intentionally attempting to deceive I the consumer. This is an alleged obligation. Farther more this company has no rights to collect any amount. UCC 9-109 clearly states such action is prohibited being that this account was transferred for the sole purpose of collecting only and XXXX is a debt collector. I do not give you permission to take any legal action against me. The attached exhibit was mailed to this company on XX/XX/2022 and delivered by USPS certified mail which was picked up on XX/XX/2022.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX ; XXXX XXXX XXXXXXXX, account # XXXX ; and XXXX XXXX XXXX account # 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.
Consumer complaint received 2019-11-20
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-05-17
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. (VA)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated XXXX XXXX. 

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 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TN)

I made a reservation at the XXXX XXXX XXXX XXXX in XXXX, TX for XX/XX/19 through XX/XX/19 for {$75.00} per night. When I was billed the charges were XXXX, XXXX, XXXX, XXXX, and XXXX per night plus tax. I immediately notified the front desk and the clerk said she would fix the charges. Later when I had not been credited I called and again. The front desk clerk again told me I would be charged {$75.00} per night plus sales tax. After the fourth phone call I was told that the computer automatically adjusts rates based on capacity. I advised that they could not adjust my rate without notice because I had a reservation. I advised Chase credit card company of the issue and they said I had to pay whatever was billed. I explained that I have stayed in hotels 1,000 's of times and I have never been billed more that the agreed amount. Further I explained that every time a person checks into a hotel they sign a piece of paper with the rate on it. Chase said they don't require signatures and I would have to pay whatever whoever charges to my card. I advised that this was a violation of the law and I would not pay the overcharged amount of {$110.00}. In addition, I advised that I wanted to close my account and be refunded the annual fee that was due in XXXX. Since I can not do business with a fraudulent company I want the account closed, an agreement that I will not pay the overcharged {$110.00}, and a refund for the annual fee. I will not be using the card due to Chase 's fraudulent actions. I will use XXXX XXXX as they do not hold the cardholder responsible for fraud.
Consumer complaint received 2022-12-16
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. (GA)

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BREMER BANK, NATIONAL ASSOCIATION (TX)

I bank with XXXX XXXX ( one of their program bank is Bremer Bank ) and they have frozen my account now for 2 months with no explanation or answers when I try to reach out. This occurred on XX/XX/XXXX, it is now XX/XX/XXXX with no response from them as to why. When I have called customer service several times over the past 2 months I am told, " reply to the email that was sent out '' and they dont reply. I have emailed 7 times. I can not access my funds. No, I did not deposit any fraudulent funds either. To have a bank freeze your account but not reply to you to give reasoning or ask you questions to even identify yourself to get to the root of the issue is very frightening. At this point, I am reporting stolen money in the amount of {$6500.00}
Consumer complaint received 2022-05-17
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. (VA)

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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

last year i settled the XXXX XXXX  XXXX accounts that had delinquent balances that appeared under my social. However there is a third - balance is {$260.00} that no one has record of but it continues to report derogatory. I am unsure what to do at this point but it's not mine and this needs to be removed
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (TX)

I have credit monitoring service with Equifax. Today I called to lock my credit reporting down as I received a notice from the IRS that my SSN has been breached. When I called, my call was picked up in XXXX XXXX. Equifax has an offshoring contract with a company in XXXX XXXX taking SSN, mother 's maiden name, address, and phone number with access to my credit file. This is in direct violation of the FCRA. When speaking with the representative, I also found they had a number on file that was not my phone number and refused to tell me where that information came from. Getting intouch with anyone in the US that works at Equifax is virtually impossible. As victim of identiy theft in the last year, the questions Equifax asks for verification are the same questions my hackers had. Anyone can call in and pretend they 're me. I know this, because this happend in the breach that promted me to pay for the extra protection.There is no additional security provied for the {$20.00} a month I must pay. 
The entire practice of Equifax and their credit monitoring must be looked into. The IRS, XXXX and others encourge this service that adds to up a great deal of money up for Exquifax, and money the consumer is FORCED to pay because there is no other option. But my information is not secure. It is offshore and without my permission!
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX my credit card had suspicious activity with XXXX. I called XXXX and reported the fraud charges. XXXX never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. XXXX said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again XXXX said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with XXXX again as I had tried to apply for a small personal loan and was denied, the reason was XXXX. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was XXXX never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within XXXX to get it handled. My wife called again today, XX/XX/XXXX, and XXXX pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XX/XX/2021
Consumer complaint received 2021-05-09
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$240.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-05-17
Product: Credit card or 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 (CA)

I paid {$710.00} usd to a person that sent me an empty box. Box was received XX/XX/2022 I made the purchase on XX/XX/2022. It was for a XXXX XXXX XXXX XXXX XXXX was a standard sized XXXX. Well when the box arrived I noticed it was empty. I then started to examine the box to see if maybe something happened along the way. Upon further investigation I noticed that the box was small, I then put another record to the box that arrived to find out it was impossible to be able to fit a vinyl record inside of a white large flat rate usps box. I provided exchange between me and the buyer, I provided photos of the box with the mailing label stickered on from the post office. I then provided photos of the box with other exactly same sized XXXX XXXX  showing proof it would have been impossible to fit that in. My bank keeps denying me a refund. Always close my dispute within a day or two not doing the full XXXX investigation to properly solve this issue. Ive had different managers tell me not to worry once they view the evidence Ill be able to get a refund. I again got denied today. I thought my bank was supposed to protect me and they have not. Ive been a customer over fives years with them with no other complaints or disputes filed on my part. I just want my money back and extra as well for the stress this has caused me. The feeling of not being protected, the feeling of stress dealing with your bank is crazy.
Consumer complaint received 2022-05-17
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. (IL)

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

Despite XXXX letters being sent to all the XXXX credit bureaus, as well as directly to santander. 

Santander account number XXXX is reporting information inaccurately on all XXXX credit bureaus. 

On XXXX these are the items that are reporting inaccurately : account type open date is The number of months ( terms ) Last reporting date Date of last active Date of last payment Under the fcra is it illegal to report this inaccurate information.This is affecting my ability to get credit. Section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account can not report. So this account should be removed immediately.
Consumer complaint received 2022-05-14
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. (AL)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-05-17
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 am writing to file a negligence and wrongful conduct complaint against Equifax. 

Equifax sent my dispute resolution to the person committing fraud against me, even after I sent the Equifax agent a picture of my driver 's license via their secure link they provided, with my address. 

Let me start from the beginning. On XX/XX/2021, I submitted an application to get pre-approved for a loan. The loan consultant found 4 collection accounts under my SSN with just Equifax, none of which belonged to me. With an average FICO score of XXXX, this had never happened to me, and I didn't know where to start. That same day I called Equifax directly, provided my SSN, and a picture of the front and back of my driver 's license through a direct and secure link the agent sent to my cell phone. 

He submitted the dispute over the phone, provided me with a confirmation number and said Equifax would mail me a resolution within 30 days. I waited and never received anything. 

On XX/XX/2021, forty-five days later, I called back, Equifax was having system issues and they showed me how I could pull some information online. Here I discovered Equifax had changed my last name and address. The previous 2 names showed my actual current married name and my maiden name ; under previous addresses, it showed my actual current address of 10 years and my correct previous address. This discovery helped me find the electronic letter of my dispute resolution showing Equifax mailed it to the person committing fraud against me with the incorrect address in my credit report. Which should have never happened, because my identity had to have been verified when the original agent collected my driver 's license information and saw that the names and address didn't match the current name and address. 

The process took longer and added additional stressors as I had to open different disputes to change my name and address back in order to file another dispute to remove the collection accounts. 

Three months and multiple phone calls later, Equifax deleted the collection accounts under my credit report. Though, I still feel like my personal information was violated by sending the person committing fraud against me a letter with my full birthdate, and the collections dispute information. 

I hope that this does not happen to anyone else. Having to fight against identity theft is a large burden, and the negligence of Equifax agents only worsens the situation.