davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (MN)

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

XXXX & Equifax is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a factXXXX XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2022-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: KEYCORP (MD)

I took out this loan while XXXX XXXX in 2005 the original amount for was XXXX. XXXX Ive paid XXXX ( XXXX over the cost of the original loan ) I still currently owe a place of XXXX. I called key bank and aes to look at the history of the loan because by the time its paid off I would have paid more than XXXX on this loan. I believe this is a case of predatory lending as I did not know this payment originally was for 20 years for XXXX. The minimum payment on the loan was so low that I would never have paid if off. I called about 5 years ago to have the loan reviewed thats when I found out the term of the loan was for 20 years.
Consumer complaint received 2022-08-22
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. (GA)

Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (OR)

I have tried repeatedly, in every which way, phone calls, letters, emails, texts, to close my CD account with Ally Bank at maturation which is XX/XX/22. They keep asking me to jump through hoops and then tell me they can't give me MY money!!!! 

I waited an hour on the phone to speak to a rep, he said I'd get am email asking for my id. It never came. A week goes by, no word, so I sent a letter. A letter, return receipt, with a copy of my id. I get a phone call after a couple of weeks. Time is of the essence here. I began a month before my CD matures. Now it has matured and the woman on THIS phone call tells me she can't send me a text so she can't help me. 

I do NOT want automatic renewal and I made that clear in every way possible. I WANT MY MONEY! THEY ARE TRYING TO STEAL MY MONEY Last woman I spoke with is XXXX XXXX XXXX. SHE can't send a text so I get robbed?! 

Uh... nope. 

I WANT MY MONEY NOW!!!!
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION (CT)

M & T bought people 's bank, in beginning didn't have problem for first 2 days, then couldn't access my account to see balance, couldn't call XXXX number kept getting a automated male voice saying due high call volume please try back and would hang up so couldn't hear balance. Used as debit for immediate fund removal since was always told by peoples to do that. They held debit purchases for several days and somehow my account went negative {$78.00} when card should of been declined. Finally was able to get threw there was a rude customer service rep only thing she said was need money to spend money which I get and when asked why card wasn't declined her answer was they don't do real time deductions. Basically prevent us from accessing our online feature and from us calling to hear balance then hit us with overdraft fees when they held payment purchases. I've never had a problem with peoples bank. Over past 2 days they've sent the over draft post cards not sealed so every person who came contact with the overdraft post card was able to see my balance and part of my account number, this is horrible customer service and privacy violation, I want the overdraft fees waived since they wouldn't let us in accounts and wasn't able to check my balance on phone either and also with however any people who seen part my account number I'm not comfortable and want account closed. Attaching postcard that was not sealed and delivered open
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ROBINHOOD MARKETS INC. (MD)

this is coming up on all email that i send to my company about my personal bussiness.ss # XXXX XXXX XX/XX/1946 email XXXX XXXX bank account # XXXX please send my money to my bank account been trying XXXX send for XXXX please my money to my account.i had nothing to sell because was not approve by your robinhood Notice of Confidentiality : **This E-mail and any of its attachments may contain XXXX XXXX XXXX XXXX information, which is privileged, confidential, or subject to copyright belonging to the XXXX XXXX XXXX family of companies. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. Thank You. ** this ius coming up on all Email. this is good
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2022, XXXX wronfully delivered packages to the wrong location. The seller, XXXX, was notified about this incident and made no visible attempt to reach out to XXXX about the whereabouts of the package. After personally reaching out, XXXX, they admitted to using another provider to ship the packages to an XXXX warehouse facility. The shipper hired by XXXX  that made was " XXXX XXXX XXXX ''. Via email ups confirmed they wrongfully delivered to the wrong location. When asked via email ups refused to provide contact information for winitamerica. By phone, they stated they are not allowed to provide the company 's details for claims. I reached out to XXXX via phone call who confirmed receiving the packages at their return facility in new jersey. Throughout all these communications I was updating relink of the conversations with the companies but it appears there was a language barrier as the representative kept responding that the package had been delivered. Tracking numbers say it was delivered to my home however I was home at the time and date in question. My home also has several cameras around the house and at no point was the item delivered. The payment method was made through PayPal and a dispute with them has been filed as well. All these companies record their calls when they answer, and emails are saved. As a consumer, I expect to pay for what i pay. If the shipper loses my package it's their responsibility to make it right.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I started in XX/XX/2022 reaching out to the reporting agencies to get the information on my credit reports changed accurately. I contacted XXXX, XXXX XXXX, Third round dba second round limited partnership, and legal shield. I put 11 accounts into a debt consolidation they were all settled. The companies all but 3 that XXXX owned originally reported Paid settled- less than full balance. XXXX is reporting derogatory and charged offed as bad debt or in collections which is not the case. It appears on my credit report as if I can still be sued and like I havent settled or paid anything. I have the release papers stating the settlement. None of the companies are taking responsibility. XXXX says they gave it to XXXX XXXX, XXXX is saying they didnt take the payment Third round dba second round is saying theyre not reporting. Its a joke to them. If I want to make a big purchase its not a good look on my credit report I look like I didnt pay anything. I tried to be as responsible as possible considering my situation at the time. Comenity, XXXX XXXX, Third Round dba Second Round Limited Partnership do the the right thing.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

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.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 2022-07-28
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 three 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 .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 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-07
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. (TX)

There are 2 names that are wrong and 1 address that is wrong and 2 employers listed that are wrong. Also 4 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to me
Consumer complaint received 2023-04-05
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NY)

My social security number has been comprimised and I am receiving debt collection calls regarding XXXX XXXX Unpaid bills. I mentioned to the the debt collector that it is fraud. They insured me that they flagged it as fraud. I recently received my credit report and it shows as uncollected. I never lived or have any knowledge of the address of service. Its located in a different state that I never visit.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On Friday XX/XX/XXXX, my checking account was hacked multiple times and charged three times in the amounts of {$120.00}, {$120.00}, and {$120.00} from XXXXXXXX XXXX XXXX XXXX XXXX all in the same day and time. These unauthorized transactions also happened in another state that I do not reside in. I have reached out to Chime 5 times and they have done nothing to settle my dispute. I first opened my dispute on XX/XX/XXXX and they closed my dispute the same day without my knowledge, they did not reach out to me or contact me regarding my dispute at all. They keep telling me to wait and that my case will be escalated but I have not heard or seen any changes to this matter. I have tried reaching out to XXXXXXXX XXXX XXXX and I have not heard back from them after calling and sending a message through their website.
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (ID)

I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. 
XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared
Consumer complaint received 2022-07-01
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)

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. 1. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 2. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 3. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 4. XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2020, has violated my rights. 6. XXXX XXXX XXXX- Date of inquiry : XX/XX/2020, has violated my rights. 7. XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 8. XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 9. XXXX XXXX Account Number : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.