davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX 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. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

About 3 years ago, it was reported to my credit report that I owed a debt of nearly {$2000.00} to an online lending company ( SpeedyCash ) I never have had business with. 
I am a victim of identity theft.
Consumer complaint received 2022-07-11
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. (VA)

Equifax has demanded I refile an Identity theft report three times to remove the same inquiries. I am a victim of their 2017 data breach and they are refusing to accept how the Federal Trade Commission require submissions to report identity theft. I contacted the FTC and they advised I contact the CFPB to complain. The FTC reports numbers are XXXX, XXXX and XXXX. I am demanding Equifax immediately remove the XXXX inquiry stated in the last report number XXXX. I have also contacted the CFPB Ombudsman office regarding my complaints.
Consumer complaint received 2019-01-07
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. (MD)

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX  account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my Equifax credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/1970
Consumer complaint received 2022-04-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-04
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)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX XXXX XXXX ACCOUNT XXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX XXXX ACCOUNT XXXX XXXXXXXX BALANCE XXXX
Consumer complaint received 2019-01-07
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. (CA)

I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Consumer complaint received 2022-04-27
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)

XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights.

15 u.s.c 1681 section 602 states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My daughter was the victim of fraud in her checking account. The account was a teen account for which I had to sign when she was under the age of XXXX. She is now XXXX and the account was never updated so my name still on it too. 

Due to the issues she had with her account Wells Fargo cancelled my credit card I had for 15 years. My history is clean and I make my payments on time. I think this is an arbitrary decision on their part and they took it without even trying to contact me first.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.
Consumer complaint received 2022-08-27
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)

On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to XXXX XXXX XXXX, XXXX, Equifax, and XXXX. XXXX removed both trade lines and Equifax and XXXX just removed one. My complaint is directed towards XXXX XXXX XXXX due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and Equifax at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
Consumer complaint received 2023-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TN)

On XX/XX/ at approximately XXXX XXXX XXXX  I went to XXXX, Tn XXXX to make a cash deposit which was denied by CashApp. I attempted a chat conversation with customer support but no assistance and I was completely dismissed and treated like I was the problem for questioning it. At XXXX I was mortified when the cashier told me CashApp denied my deposit because of suspicious transactions yet CashApp denied that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I depended on Cashapp to be able to receive funds from my family who helps support us while hes healing. Now without notification my account is useless. Ive been a customer for over two years. I have verbally revoked my authorization for ACH transactions to my financial institution that my CashApp is linked to.
Consumer complaint received 2019-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (MN)

I was applying for a loan of XXXX with XXXX. there were several things they required before the loan was approved. one being that I verify my checking account. I never verified my checking account with them. which I thought means the loan application was not complete. but somehow the loan was approved and deposited to my account. I would have refused the loan except the deposit was made to my account with a negative balance making it imposable to rescind the loan. now the company wants me to make twelve XXXX payments to pay back this loan. they have already tried to receive two payments which has cost me XXXX in overdraft fees. I never finished their loan process so I don't know why they deposited the money into my account. not being able to stop the loan because of the negative balance. I am now stuck but I didn't want the loan that is why I didn't finish the process. I am living off social security I cant afford to make these outrageous payments. I do realize that the XXXX needs to be paid back. I suggest that two payments of XXXX a month with a final payment of XXXX on the third month to repay the loan. I realize that the total repayment equals only XXXX but that reflects the XXXX it has already cost me.
Consumer complaint received 2022-08-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  accounts 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.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Opened Bank account with {$15000.00} in funding split between Savings and Checking for {$400.00} bonus as seen here. 

XXXX XXXX XXXX XXXX XXXX XXXX Account was opened on XX/XX/XXXX.  Bonus terms said money had to be in account for 60 days. No bonus was posted after. Contacted Citi multiple times and still no resolution
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-04-13
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. (MI)

I noticed 2 bankruptcies on my Equifax Credit reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX and XXXX. In XXXX of XXXX they stated they verified with third party entity XXXX  that the information is accurate. I thought they had to get all information from a original source. I then contact XXXX XXXX and they provided me with the information they had in my file on XX/XX/XXXX. The file they provided me has no Information about any bankruptcies. I once again notified Equifax about the lack of information and ask for it to be removed .... This time they ignored me and I don't know what to do.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Possible Financial Inc (TX)

I never opened an account with these these companies possible finance and major finance account was opened fraudulent i reported to credit bureau i even sent in police report showing i was a victim of fraud i sent in police report to XXXX and this my second attempt t to get the fraud account remove
Consumer complaint received 2022-08-27
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. (TN)

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # 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.
Consumer complaint received 2021-04-13
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. (SC)

Transunion along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from XXXX  for the improper use and damages. I have attached a affidavit of truth, invoice, legal notice and the exhibit proving these proof and admission, and the same information has been sent certified mail green receipt to the company.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized, and I ask that you delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX These inquires are fraudulent and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

On approx XX/XX/XXXX bank mobile froze funds in XXXX of my bank accounts. I contacted them via telephone, email, and letter with no luck over the last year now. 

They just give me the runaround they don't request information just the runaround. This a a common for them. I have XXXX others on social media who have come forth with similar stories.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FULTON FINANCIAL CORPORATION (PA)

I contacted on XX/XX/XXXX and was told I would get return call on XX/XX/XXXX. I got no call, so I called and no solution was given. I was told to come to the branch, but there was no confidence. This was for Fulton Bank in PA. A biller hit my bank account with automatic payments in error for very small single digit amounts. For each amount, I was charged a {$39.00} fee as well as {$6.00} a day overdraft fee. My charges were less than {$300.00} from the automatic payments. The fees assessed by the bank is close to {$600.00}. This is predatory and excessive charges. I have been a customer of this bank for 13 years and never had this issue. They just dont want to waive any fees and want me to go bankrupt. Additionally I have requested numerous times for all transactions, withdrawals and deposits, to be frozen and not allowed in my account while this issue is being handled. Fulton Bank does not do this. I want all debits and credits disallowed on my account at this time.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Driveway Finance Corporation (MI)

I have contacted the finance company in order to investigate concerns with the signing of my finance contract. During their investigation, they inaccurately reported a late payment for my account. Ive requested that they reverse the inaccurate payment status and pause payments until the investigation has concluded.
Consumer complaint received 2018-08-29
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. (PA)

Equifax and XXXX are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.