davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus 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 items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I disputed a closed XXXX XXXX account in XXXX of XXXX. Since that dispute, the account status has now changed to open and the monthly payments amount reported is {$6100.00}. Since filing a dispute with Trans Union, XXXX, and XXXX my score has dropped from XXXX to XXXX. The biggest factor being my debt to income ratio which now is over XXXX percent of my income. This is so let attributed to the supposed {$6100.00} dollar monthly payment being reported by XXXX XXXX. If you review my XX/XX/2022 credit report you can clearly see this account was closed for well over a year. Then after the dispute it e as reported as open and the remarks and monthly payments changed. Almost every negative account on my file has incorrect dates and billing information. XXXX was submitted the same disputes as TransUnion and XXXX and failed to investigate any of them disputes to this date. Well over the 30 day time frame. I have a certified receipt showing the day it was received. I have tried multiple times in the the last year and a half to resolve my disputes and have my credit files corrected and updated to no avail.
Consumer complaint received 2022-05-02
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: Ready Capital Corporation (LA)

In accordance with the fair '' credit Reporting act, GMFS XXXX 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 any purpose.
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I reached out to XXXX to dispute some fraudulent active on my credit report. There are XXXX hard inquiries on my report that I did not authorize and I have a fraud alert on my account. I explained to the representative that I am in a XXXX XXXX Bankruptcy that was filed on XX/XX/2022. I have not inquired for no new credit. The representative stated that if it is on my report then their 's nothing that can be done about the hard inquiries. So I asked even when I have a fraud alert on my account their 's nothing that can be done. He stated no. I havent applied for any new credit. But everything I talk with either credit bureau I have to send them a copy of my driver 's license, social security card, and bank statement with my address. But someone can go apply for credit in my name online or in person and nothing can be done about it. It just goes on my credit report.
Consumer complaint received 2022-05-01
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: LEXISNEXIS (MI)

A dispute has already been filed. On my cfpb report i listed the issue of LexisNexis not removing an error. A customer service rep named XXXX sent me an email outside of the cfpb complaint. I gave no permission to email me directly. You're reporting inaccurate information my report on an acct with XXXX XXXX. They notified me that you didn't submit a dispute with them. How did the dispute come back verified if you did an actual investigation. Stop using eoscar and do a proper investigation. This is defamation of character and you're required to report accurate information on my file. You're breaking the law.
Consumer complaint received 2022-05-01
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # 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 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights XXXX U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX ACCOUNT # XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-05-01
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. 

XXXX XXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # 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 2022-09-25
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)

In accordance with the FAIR CREDIT REPORTING ACT, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below
Consumer complaint received 2022-05-01
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. (DE)

In accordance with FCRA XXXX , has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 reason.
Consumer complaint received 2022-06-08
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: Monterey Financial Services LLC (OH)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 MONTEREY COLLECTION SV # 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 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CA)

This debt collector continues to garnish my Tax refunds without ever sending proof of debt. Ive never received a phone call or written notice from them. Ive called them several times to get proof of debt for over a year now, without success. They continue to collect interest on the debt and whenever I call they provide me with inaccurate payment information. Last year my debt was {$1600.00}, they applied my tax refund of {$1300.00} this year. Yet, my valance is {$1700.00} now. Please I need some assistance. They say they dont know why my balance went up by over {$1000.00} within a month that they need time to disputed with the original creditor. Meanwhile, continuing to collect interest on the debt. At the same time refusing to provide me with the original creditors point of contact. They keep saying that it is pointless for me to call the original creditor. While i keep on insisting to please provide me with a number so I can call them. I dont know what else to do. Please help me resolve this issue
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was a customer with Bank of America for over 20 years. Bank of America has decided to close my account. I was told the reason is an internal business matter and I will not be told why the account is being closed. The problem is there is {$2400.00} in the account that is owed to me. The {$2400.00} is from a check from my employer, XXXX XXXX of Michigan. I was told the account would be closed on several different dates. The first date was XX/XX/XXXX which was XXXX weeks from today 's date which is XX/XX/XXXX. I called XX/XX/XXXX and I was told the account will be closed XX/XX/XXXX after the company finishes their review process. I called on XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I called XX/XX/XXXX and I was told the account will be closed on XX/XX/XXXX after they finish their review process. I've called Bank of America a total of XXXX times since the account was initially suppose to be closed and everytime I'm told the account will be closed on a new date after they finish the review process. I was also told there is no limit to how long they can conduct their review process. The dates I've called are XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. The latest closure date I was told will be XX/XX/XXXX. XXXX frustrated and need help because I have no idea when the account will actually be closed and Bank of America will not send a check for the money that is owed to me in the account until the account is officially closed.
Consumer complaint received 2022-06-08
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. (LA)

I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.
Consumer complaint received 2022-06-08
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. (LA)

I am XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.
Consumer complaint received 2022-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California (CA)

I refinanced a student loan and TFC Credit Corporation has been pain in full by XXXX since XX/XX/22. It is now XX/XX/22, and the company has refused to return the overpayment in the amount of {$4800.00}. I have spoken with 4 different customer service agents at TFC, and each time they have given me a different reason as to why my check has not been sent out. I was initially advised that after the payment posted to my account, any overpayment would be mailed to me directly within XXXX days. XXXX, the customer service supervisor I spoke with on XX/XX/22 advised that I needed to request the money be returned to me otherwise the company retains overpayments. He then went on to say that I would need to wait another week for the XX/XX/22 check run. Today on XX/XX/22 I was advised by XXXX XXXX, a Director at TFC, that I would need to wait until the XX/XX/22 check run, because checks are only sent out once a month. Every time I have called this company, they give me a new reason for retaining the money. 

I am aware that companies float money for interest and this is exactly what is happening to me and many others scammed by TFC.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (GA)

Hello, XXXX XXXX PayPal Your transaction with your PayPal XXXX XXXX ending in XXXX was declined Your transaction at XXXX was declined, because there wasn't enough money in your balance.
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I bought a car at XXXX XXXX at the end of XXXX. Naturally they needed to run my credit which was fine. I now have 4 inquires when I only looked into one vehicle. I ended up paying outright for the car. There is another hard inquiry from XXXX XXXX for some type of XXXX, I never looked at any XXXX. I was not interested in any Hondas. I bought a XXXX. My credit was ran without my knowledge or consent. I shouldve only had one inquiry from XXXX on my credit.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filled out an application online with capital one after getting a pre-approval. 

They told me they needed more info from me. Waited on hold for a while to speak to customer service. They told me I need to call another team. Waited for an extensive time for them to tell me they sent me an email. Never got it including spam folder. They said they cant resend the email and can not tell me what is needed to move forward. Requested a sup, she could not help and there is no one hire than her. So I filed this complaint
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (RI)

I mailed in a check in full payment of my credit card balance ( via certified mail ) to the address shown on the credit card statement. The payment was received at the location specified for payment 5 days prior to the due date ( payment tracked to the po box XX/XX/22 at XXXX ; due date was XX/XX/22 ). I was charged interest and a late fee. When I contacted BJ's/Comenity Capital, I was told that I am responsible to pay the bill well before the due date because of their lockbox/processing time ; therefore the late fee and interest are due. I am in the process of disputing the charges but have spoken to a Customer Service Rep, a Manager and now have to engage in a formal dispute process.
Consumer complaint received 2022-06-08
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Consumer complaint received 2022-06-08
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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