davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act. Experian, XXXX and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my report : XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect XXXX monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus XXXX, Equifax, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

While I was checking the status of my stimulus check on the IRS website, the information provided was saying that the check was deposited to a bank account ending in XXXX which I did not recognize ( my bank account ends in XXXX ). 

After checking all my financial accounts ( including credit card accounts ) i realized that I am a victim of fraud since the account opened under my name doesn't belong to me hence I don't know what illegal activities it is used for in addition to the fact that I will not be getting my stimulus check since he IRS sent it to this account under the impression that it is myself.
Consumer complaint received 2024-01-12
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. (MI)

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


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont without my written instructions.
Consumer complaint received 2022-04-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CREDIT ACCEPTANCE CORPORATION (RI)

XXXX XXXX XXXX Wed, XXXX XXXX, XXXX AM ( XXXX hours ago ) to antitrust I was advised to contact you regarding the above car loan corporation. 
On XX/XX/XXXX I was diagnosed with XXXX, the Rhode Island Department XXXX XXXX placed me on a XXXX quarantine, I did not get better until the end of XX/XX/XXXX. I contacted Credit acceptance, since I owed only XXXX on my car. I paid XXXX dollars for a XXXX XXXX XXXX. 
After all was said I paid Credit Acceptance XXXX dollars, My car was repossessed on XX/XX/XXXX. I was told I had to pay XXXX too get my car back. They also added several fees that brought what I owed to {$1300.00}. I worked hard to keep the car. It was the first one I financed. They HAVE SINCE AUCTIONED MY CAR. I now have no vehicle and they are stating I owe them money. 
Due to covid I lost my job, i lost my car and i was brought to my knees. If you want the car paid for I need to work to do that. I have contacted the attorney general, the XXXX, the house XXXX XXXX, the XXXX for XXXX in Rhode Island. 

Please I need help, This was so unfair on their part. They were rude, demanding, and basically told me to bad. They are not required by law to follow any of the governments or the XXXX of Rhode Island 's laws regarding covid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX email - XXXX Credit Acceptance ( CACC ) Settles Auto-Loan Lawsuit, To Pay $ XXXX | XXXX The above link is an article from the state of Massachusetts lawsuit against XXXX, and facts like they repossess 35 % of all the vehicles they finance, I never would have used them had I known this Any advice or help you can assist me with would be greatly appreciated.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (NY)

I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description with specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974.

NAVY FEDERAL CREDIT UNION : Inaccurately reporting credit card utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, and to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3.
Consumer complaint received 2022-04-07
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 convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-12-04
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting Act. XXXX, XXXX and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Incorrect variations of names do not belong on my report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX Incorrect employers do not belong on my report : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-16
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. (KY)

I have tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX  XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC (CA)

Recieved unsolicited offer containing predatory unconsienable interest rate with deceptive bi monthly payment a deceptively advertised as monthly interest rate rate = { XXXX XXXX XXXX ) Came from CEO ( XXXX XXXX XXXX ) here on XXXX XXXX visa address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.illinois XXXX name of entity various depending onnlegal record reviewed ( in California deinde online services llc name XXXX XXXX ) also in California secretary if state records ( XXXX XXXX XXXX merged into integra credit four llc ) after recieving loan via online offer ( XXXX ) payments every 15 days ( XXXX ) dollars attempted to verify entity was licensed under ( California financial code section 21000 ( a ) it was not had Department of Business oversight issue request for substantiation of exemption ( none identified ) still waiting in official response deadline ( XX/XX/XXXX ) entity uses name integra credit four integra credit two in home state of Illinois checked mls multiple  licensing system ( Illinois ) entity is solely licensed to lend according to those records in ( kansas ) ( Tennessee ) claims to be licensed in Delaware ( uses integra credit five ) according to Delaware secretary of banking records license expired ( XXXX XXXX XXXX  ) ( page 44 of 90 ) i  could not find renewal entity lends online in new Mexico could not locate any licenses in new Mexico uses different name CEO contact is XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX also lists numbers XXXX XXXX XXXX www.Integracredit.com direct number us XXXX XXXX XXXX entity uses mandatory arbitration clauses in contract extinguushed by cfpb rule spoke to company twice about amending contract rate to correct usury violation due to unlicensed status
Consumer complaint received 2021-07-05
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. (LA)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (FL)

I believe it was in 2018, my husband and I were trying to apply for the low income units at the XXXX XXXX XXXX. We were not qualified for the low income because we were told our income was over the limit. We were treated with unprofessional behavior when we asked for our {$300.00} deposit since we were no longer getting the apartment. We paid a total of {$470.00}, {$170.00} for the application. We ended canceling the payment from our bank account because they refused to refund the {$300.00} deposit. The last time we spoke to a debt collector we told him we were willing to pay the {$170.00} and he did not the agree to our terms.
Consumer complaint received 2022-11-17
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. (MO)

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

They have the documents already. I was sued by a debt collection atttorney on behalf of XXXX XXXX, who was a debt buyer. They initiated a lawsuit before Covid 19, but never answered or provided discovery in response to my attorney 's demands. According to the credit reporting law, if a debt buyer sues someone and then fails to demonstrate any proof - either that fact should be reported or the debt should not be listed on the credit report. XXXX and XXXX removed the company because it was not substantiated. Experian refuses to do so and also refuses to update the statement I submitted. " Customer disputes '' is not sufficient when a supposed creditor makes a claim, goes to the trouble of filing a lawsuit and then fails to answer or appear in the case that they brought. I submitted the same information to all the credit bureaus and Experian is the only one that is still listing it as accurate without details of what happened. It creates a false narrative and demonstrates that Experian is not impartial in the " credit reporting '' industry..
Consumer complaint received 2022-04-28
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. (AL)

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 an open end consumer credit plan as late for purpose
Consumer complaint received 2019-06-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (TX)

I have a checking and savings account with Ally bank for years. As they are very good bank and offer very good services ( including customer services ) - it seems their customer base has really increased ( more than what they even expected ). 
With such a higher volume I don't think they are able to scale up their operations which results in too many frequent maintenance events ( downtime, system not available ) and various IT errors. Can't really comment on their IT staff as it is below expectation according to me ( based on my XXXX yrs of XXXX experience ). 

On or about XXXX XX/XX/2019, I wanted to transfer {$10.00} from my savings account to checking account. Due to Ally 's mistake it got transferred 3 times. Essentially that means I incurred 2 additional withdraw transactions from my savings account. 

When i reported this to Ally, they said we can't reverse it but if there is a situation we charge you fees of exceeding more than 6 transactions from savings, reach out to us and we will waive it. 
It happened to me yesterday that just 2 days before the statement cycle-i exceeded 6 transaction. But now ally customer service is not honoring their words.
Consumer complaint received 2017-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (CA)

I became aware that XXXX XXXX XXXX reported an alleged debt of {$1200.00} from an alleged creditor XXXX. I have no knowlwedge or any contract and communication with XXXX XXXX, XXXX about this alleged debt.
Consumer complaint received 2022-04-28
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 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 an open end consumer credit plan as late for purpose
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i. Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT or the Accounts. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC :