davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
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. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2021-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

As of XX/XX/XXXX XXXX reports my FICO score is XXXX. XXXX  then pulled the information from XXXX XXXX and Equifax. XXXX XXXX report at my FICO score as XXXX and the number had not been updated since XX/XX/XXXX. Equifax report of my credit score is XXXX and that information also had not been updated as of XX/XX/XXXX. Last week I went ahead and got a free copy of my credit score from XXXX XXXX and my score dropped to XXXX. There is NO reason for my score to drop to XXXX because weve had on time payments for almost 2 years. The problem is were trying to refinance our mortgage and this is Greatly hindering us. We had a really bad financial crisis from XXXX to XXXX. Weve had to settle debts and have worked hard to get a scores back up. XXXX  is the only agency that has raised our score considerably. Based on the information that XXXX  got from XXXX XXXX and Equifax those two score should be considerably higher too. XXXX XXXX is not and has not been updating our score accordingly. Therefore we have not been given credit for our on time payments which is keeping us from being able to refinance our home and lower our payment so that we can expedite paying off the rest of our debt. I feel that XXXX XXXX, whatever their model, is designed to keep people from progressing. The system is very flawed and it keeps people in a state of being poor. They can never progress or get better because companies like XXXX XXXX wont allow them to! So I would like an investigation done into XXXX XXXX & Equifax as to why our scores are so incredibly different than XXXX  when weve worked really hard to get our score back up, and we continue working hard to settle and pay our debts so we can be in a better place. There should be a lot more oversight on these credit bureaus. I filed a dispute with XXXX XXXX I never got a notification saying the dispute was settled in suddenly my score went from XXXX to XXXX. But that was after I told them that our mortgage servicer had deleted all of the missed payments. Until then no matter what we did our score never budged and that is a great cause for concern. Also I would very much appreciate it if you could send me some thing, some sort of law that specifically says that the credit bureaus are REQUIRED to report my bankruptcy for up to 10 years. The Fair Credit Reporting Act says that they May. I would like to get that removed in XXXX of this year. So I need some thing that says that they are REQUIRED by law to report. Because as far as my research has shown there is nothing that says if they are REQUIRED by law, it simply says that they May. Please provide the source, or cite the source thank you.
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: Oklahoma Student Loan Authority (FL)

My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on XXXX. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out
Consumer complaint received 2022-11-30
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)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-11-30
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX have all 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 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. SO, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for these fraud inquires to be deleted.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I reported a complaint regarding Equifax to the CFPB on XX/XX/2021. It is complaint number XXXX. The CFPB contacted Equifax and they responded saying they would investigate the complaint. After several days they responded indicating a letter had been sent with the results of their investigation. It has been a month and NO LETTER HAS BEEN RECEIVED. The CFPB closed the case despite my feedback that no letter had been received. As a result, I am initiating a new complaint to request Equifax actually comply and resolve the problem and actually send the letter showing they have frozen my mother 's credit and linked her personal information with her credit history. Right now I believe Equifax has her personal information attached to someone else ' s credit file. I also believe any letter sent was sent to someone else possibly exposing my mother 's personal information to a complete stranger.
Consumer complaint received 2022-01-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I purchased a car from XXXX on XXXX XXXX. I was told that {$1000.00} cash deposit down was required in order for credit through Capital One XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that Capital One XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( XXXX ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX through XX/XX/2020. I contacted Capital One XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. Capital One has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated XXXX party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme XXXX, XXXX and XXXX as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from Capital One.
Consumer complaint received 2021-05-10
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: C/C Financial (MI)

I contacted Prefer lease concerning the issues onXX/XX/XXXX.To resolved the problem.I sent several disputes one threw the mail and one online.They are refusing to close the case and I paid them XX/XX/XXXX.Which I was told it would be close almost 6 months.There trying to get more money out of me XXXXEven thou we had agreement .I paid them XXXX on XX/XX/XXXX. Reference No.XXXXI feel they taking advantage of me during this Pandemic.I experience hardship doing theses time.I was out of work for almost a year.Please help me because I can't get any answers.My name is XXXX XXXX
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. XXXX  employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

I have been a customer of Ally since 2015. Ally has incorrectly charged my account nearly {$1300.00} in late fees. I have contacted Customer Service on several occasions in an attempt to resolve this issue, but no one will assist me. Ally has refused to perform a comprehensive audit to justify the late fees. My payment is due on the XXXX of every month and the payment is paid no later than the XXXX in order to avoid late fees. Ally has suspended payments made online without a reason or justification. I am filing this complaint so that a full investigation can be done and the {$1300.00} is late fees are reversed as Ally applied these fees in error. I am XXXX years old and Ally has taken advantage of me by giving me the run around. Ally does not provide copies of all of the monthly statements online, so it is very difficult to track their accounting. I want a comprehensive audit done on my account and the late fees removed.
Consumer complaint received 2021-07-24
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: U.S. BANCORP (IL)

It's been well over 100 days since my first attempt and we'll past 30 days since my most recent to get this account verified. They said they would send me put my initial paper work in the mail and I haven't got anything. They 100 % have my correct address as well because I I everything I could to get this resolved and told them this. I've sent letters including some to the credit buros directly recently and I'm done waiting. SHOW ME MY SIGNATURE WITH ALL DATES SND AMOUNTS OR LEGALLY REMOVE IT. You already took it off my transunion report months ago because you agreed you couldn't verify it, you didn't take the time to do the other 2.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am the consumer. Transunion place a fraud alert on my consumer report without my written consent or request. I believe Transunion placed the fraud alert on my consumer report because I have recently mailed them XXXXwo identity theft reports. Transunion created a deceptive form/postcard and sent to me through the mails which is mail fraud pursuant to 18 USC 1341 . Transunion violated my right to privacy my mailing the attached postcard through the mails pursuant to 15 USC 1681 ( a ) ( 4 ). I tried to remove the fraud alert from my consumer report on XX/XX/2022 but each time, the attached error page appeared and I could not remove the alert.
Consumer complaint received 2021-09-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion and XXXX XXXX have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.
Consumer complaint received 2021-04-14
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)

These accounts are not mine. Please check and investigate the origins of these accounts. I do not recognize them at all but I am tired of this situation. Why does it take so much time to do something towards my situation? Its not fair at all that I have fake accounts in my own profile.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2021 my wife erroneously paid a {$350.00} capital one credit card bill by missing 2 decimal points and paying {$35000.00}. I contacted capital one the next day and they told me the bank I paid it through could take the money back. I did this and the bank was successful in returning the money to my account. I thought the issue was resolved until my bank notified me that on XX/XX/2021 capital one again took the money and used a technique that prevented the bank from getting it back again. This withdrawal was not authorized and constitutes fraud. It's now XX/XX/XXXX and after 6 phone calls and promises of the money being returned I am told it is under review. I have never dealt with a more dishonest and corrupt company as capital one.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/2021, I submitted an auto payment to USAA one day before the scheduled due date where I have an automatic payment plan. I received a pop-up that read " You are currently on an Automatic Payment Plan. By continuing, your next draft will be reduced by the amount of this payment. '' On XX/XX/2021, USAA took another {$900.00} from my account, which immediately placed me in a situation where I wouldn't have enough in checking to cover my weekly obligations. I called USAA on XX/XX/2021 to resolve this issue only to be passed around to different offices. I finally reached the loan department where the operator informed me that USAA starts processing these debits up to 4 days in advance so payments made within that window will be treated as an extra principal payment. I find this highly deceiving as the pop-up that I received did not mention this. Had they, I wouldn't have made this payment. If the USAA web administrator would simply add this note to the already existing warning, I'm sure that it would serve their customer base well and not put them in situations where they couldn't pay their bills. USAA further tells me that there is no way to return the money despite my checking account being USAA with the payment still in " pending '' status. When I told the loan department that I wasnt satisfied with the resolution, I informed her that I would like to dispute the charge. She told me that she would have to transfer me back to the banking department. After transfer, I waited on hold for over 40 minutes before finally hanging up. I later reviewed the Consumer Loan Note Disclosure and Security Agreement and Authorization Agreement for Preauthorized Loan Payments signed on XX/XX/2021 and there is nothing that warns the consumer that payments made within the 4-day window of automatic payment will be ignored. I have been a USAA customer for almost 20 years and have many vested interests through them, I thought that they would be willing to help a lifetime customer.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Total Card, Inc. (VA)

XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Consumer complaint received 2022-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.