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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXXwith no help.
Consumer complaint received 2019-04-26
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: TD BANK US HOLDING COMPANY (AZ)

On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial,  XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill. 
Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial. 
XXXX, XXXX and TD Auto Financial never responded to the dispute sent them. 
On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments. 
I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly. 
I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter. 
I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account. 
I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX. 
The companies did not respond to the dispute letter and evidence sent to them. 
Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..
Consumer complaint received 2023-03-17
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. (TX)

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Ive been using my paypal account for selling " XXXX '' on XXXX. I used it for my payment method. But suddenly, My paypal has been permanently limited for no reason. I believe it was a mistake. So I am writing this to consumerfinance to help me escalate this on Paypal. 

my paypal email : XXXX Please see attached files.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 302 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act 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 I did not authorize this inquiry
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2022, I was informed by Truist Bank that my account had been locked. On XX/XX/2022, I went into a physical branch to try and resolve the issue ; they let someone from XXXX Truist know to unlock my account, however, it has been 3 days and I have received no communication. On XX/XX/2022, I attempt to retrieve my funds from my currently locked account, but there is nothing that can be done. Currently, I have funds in Truist, and there is no possible way for me to access them.
Consumer complaint received 2019-06-28
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. (NC)

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through  law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that Transunion has failed to address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX  XXXX  - XXXX XXXX XXXX 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 2022-10-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Credit Acceptance, LLC (TX)

AMERICAN CREDIT ACCEPTANCE has committed FDCPA violations, Aggravated Identity theft and TCPA violations against me, the consumer. 
AGGREVATED IDENTITY THEFT : ACA created an account using private non public information of the consumer without a legally binding contract between the consumer and ACA or proof of contract between ACA and the original creditor. That's also a violation of the Privacy Act of 1974. Per ACA 's response on a previous CFPB complaint ( complaint id # XXXX ) dated XX/XX/XXXX, it was stated that ACA alleged " The contract was transferred to ACA on XX/XX/XXXX. '' My XXXX XXXX credit file dated XX/XX/XXXX shows ACA checked my credit 5 times on two separate dates starting on XX/XX/XXXX under false and misleading permissible purpose for a credit application. I have never applied for credit or completed a credit application with ACA and would like to be provided a copy if they can produce it. 
TCPA and FDCPA VIOLATIONS : XX/XX/XXXX I sent a letter to ACA to cease and desist attempting to collect a debt until they validate. I have a returned receipt from XXXX that shows it was received by ACA on XX/XX/XXXX. Since then, I received 8 calls violating the TCPA and the FDCPA codes 15 USC 1692d ( 5 ), 15 USC 1692c ( a ) 1, 15 USC 1692c ( c ). A letter dated XX/XX/XXXX from ACA 's chief servicing officer XXXX XXXX, further violating my cease and desist ( 15 USC 1692c ( c ) ) by not providing validation in that letter, also violated 15 USC 1692d ( 2 ) alleging a debt was owed and need to paid, 15 USC 1692e ( 4 ) threatening to seize vehicle, and 15 USC 1692e ( 8 ) threatened to defame the consumer by reporting this fraud to the consumer reporting agencies. 
Validation was never received. ACA just sent the account back to the original creditor.
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have asked XXXX XXXX several times for debt validation as well for information regarding their ability to collect. I have not received any response at all in the last several months. I have also sent letters to all three credit bureaus asking for information about this debt, they have contacted XXXX XXXX who has certified that the debt is valid and they have the right to collect yet I have received nothing at all regarding this.
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. (MS)

In accordance with the Fair Credit Reporting act 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 an 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I attempted to purchased clothing from XXXX XXXX XXXX, located on XXXX XXXX XXXX / XXXX XXXX, Florida for a total of {$4800.00} a while back ( don't have receipt ), because I was in XXXX XXXXXXXX, shortly after this transaction occurred & my belongings ( to include my wallet ) were misplaced & subsequently lost. I paid with Wells Fargo Debit card. I contacted Wells Fargo regarding this transaction and was told by Wells Fargo, merchandise / items I purchased were being sent to me. I have never received anything from this merchant and requested reimbursement of {$4800.00}. Please review your records> Thank you for prompt attention to the matter. 

Thanks ; XXXX XXXX XXXX
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: TD BANK US HOLDING COMPANY (GA)

THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST TD AUTO FINANCE. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

2 YEARS LATER AND TD AUTO JUST REPORTED TO MY XXXX XX/XX/2022 THAT I AM 18 MONTHS LATE YET XXXX AND XXXX XXXX SHOW CLOSED ACCOUNTS. 

ALSO I AM A FINANCE MANAGER AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. I am demanding that you delete all fraudulent accounts, by federal law you are required to move all accounts from my consumer report without prejudice.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TN)

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Consumer complaint received 2021-03-08
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. (TX)

XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/XXXX.
Consumer complaint received 2024-03-07
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)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt