davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX Collection Acct XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You
Consumer complaint received 2024-02-14
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. (TX)

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

XXXX XXXX  Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : 405731 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 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 items 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 2022-08-12
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX XXXX and Experian many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't know why TransUnion reinserted blocked information back to my credit report. I am a victim of identity theft, and I state that the XXXX XXXX XXXX account ( account no : XXXX ) is a fraudulent account. Please help me to resolve this problem with the TransUnion credit reporting agency and the credit card company. TransUnion needs to delete the XXXX XXXX XXXX fraudulent account from my credit report.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My checking acct is in a negative balance due to over draft fees, returned items fees and sustained fees since XXXX XXXX. Citizens bank is not happy with me for the fact that during covid they were charging their customers fees when they were not supposed to. They did give me back overdraft fees after they went against their policies. I returned to work last week after being out from covid then recently being diagnosed with XXXX XXXX and was going through treatment. I am asking that citizens bank please refunds me my fees as I can not afford to pay them XXXX $ back. And there is a pattern with them they charge a returned item fee, over draft fee same day for multiple payments. I feel I am being discriminated against due to me having fees returned when they were not allowed to take fees from their customers. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX XXXX  ) 2. ( Department of Education XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XX/XX/XXXX ) 5. ( Department of education XX/XX/XXXX ) 6. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 7. ( XXXX XXXX XXXX XX/XX/XXXX ) 8. ( Department Of education XX/XX/XXXX ) 9. ( XXXX XXXX XXXX 10. ( Department Of education XX/XX/XXXX ) 11. ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) 12. ( XXXX XXXX XX/XX/XXXX ) 13. ( XXXX XXXX XXXX XXXX ) 14. ( XXXX XXXX  XXXX XX/XX/XXXX ) 15. ( XXXX XXXX XXXX XX/XX/XXXX XXXX 16. ( XXXX XXXX XX/XX/XXXX ) 17. ( XXXX XXXX XXXX  XX/XX/XXXX ) 18. ( XXXX 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 ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt 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 that 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.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I need your help in serious matter involving my credit report. After reviewing my credit I realized that you are reporting damaging information to my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I see that this account has charge off status and yet there are multiple discrepancies incomplete and inaccurate credit reporting associated with this account. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I dont believe the status of this account is accurate I ask that this account is deleted due to multiple violations. 

Account reports different dates under date of last payment. 

highest balance is being inaccurately reported. 

Incomplete payment history Date of delinquency inaccurate Account opened reported as XXXX but payment history has a payment listed for XX/XX/ Please stop reporting this account due to FCRA noncompliance of an accurate data being furnished on my consumer report. This account is also in violation of 15 U.S. Code 1681i ( 5 ) as well as 15 U.S. Code 1681 ( e ) B, 15 U.S. Code 1681c
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I am writing to formally dispute several negative items currently listed on my credit report, which I believe to be incorrect and unverified. These erroneous entries are severely impacting my credibility and financial standing.
Consumer complaint received 2021-11-01
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX  amount XXXX ; disputed account and requested for it to be removed because this is not my account and it is still on my credit report with all 3 credit bureaus
Consumer complaint received 2020-05-13
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. (FL)

XXXX XXXX is on my credit report this account is not mine. This account was open by someone who stole my identity. I never gave them authority to open any accounts. I called them it goes to voice mail. No live person. I wrote to them asking where is my sign name or photo identification to prove anything. I dont hear back. This is a scam fake. This account came off XXXX XXXX and XXXX. I am fighting with Equifax. Having a hard time. This XXXX XXXX was identity theft
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My car loan was from XXXX with Capital One. I paid off my car loan in XXXX. However I must have not paid off the full amount ( I have never been provided with proof that they sent out letters to inform me the payoff amount was wrong ). If I had been sent a bill, I would have paid it off. My car was never repossessed. The car was totaled in XX/XX/XXXX. The insurance company, XXXX, informed me Capital One was claiming I owed money from XXXX. I contacted them in XX/XX/XXXX but was denied any verification that they sent out a request for payment. The representative said they do not keep records that far back. The amount was for XXXX and XXXX paid that amount on XX/XX/XXXX. I was told by the department supervisor as soon as the payment was made they would release the title. I feel I should not have to make a payment for an bill they can not produce but did not want to tie the insurance company trying to deal with another company. I called today, XX/XX/XXXX to see where the title was. I was then told that they do not keep records for longer than seven years and no longer have the title. I asked to speak to a supervisor and sent over to the presidents office for capital one. I spoke with XXXX ID # XXXX and she then lied to me and said the title was mailed to me in Arizona in XX/XX/XXXX. I did not live in AZ and they should not have an address for AZ and why did the supervisor tell me they could not send out the title in XX/XX/XXXX until the payment was made. XXXX then said she would research and try to get to the bottom of the account. I need the title. Capital One should not take money from an insurance claim on a loan that is almost XXXX years old. They also can not provide documentation on what the payment is for.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have repeatedly asked TransUnion to verify these two accounts ( XXXX XXXX XXXX : XXXX & XXXX XXXX  XXXX  : XXXX ) After reaching out to them more than two times, they still failed to verify them. At this point TransUnion is reporting false information and accounts that does not belong to me. They would realize this if they just investigate correctly and stop stalling. I have become very frustrated with TransUnion continually not following the laws set by the FCRA. At this point if these accounts are not removed from my credit report, I will have no choice but to get the courts involved because this is starting to affect me getting credit.
Consumer complaint received 2015-08-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (UT)

GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP (CA)

I the Natural person, and pursuant to 15 USC 1681b - Permissible purposes of consumer reports and ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. 2 ) In accordance with the written instructions per the Consumer to whom it relates. US BANK, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all accounts as it relates, Immediately. I, XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction,
Consumer complaint received 2024-02-15
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

According to your acceptance on XX/XX/XXXX. 2021 this account has been paid in full. It was accepted and cashed with no response over 60 days. Therefore making the debt PAID IN FULL. 



No proof of Bilateral contract
Consumer complaint received 2022-08-12
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: U.S. BANCORP (WA)

In XX/XX/XXXX, we booked a XXXX hotel through XXXX for a stay in XX/XX/XXXX. We paid in full at this time. We stayed at the hotel and after our trip we were charged {$1700.00}. We should not have been charged anything at this point as we had already paid in full. I called XXXX and had them investigate and they found no record of this transaction anywhere in their system. I have spent the last 12 months trying to work with US Bank to resolve this charge and they have been entirely unhelpful. Numerous times they told us they have sent out paperwork for us to fill out and return. We never received anything in the mail from them. Finally in XX/XX/XXXX, I found out what paperwork they needed and immediately sent it in. I called a week later to check that they got it, and it was confirmed that they had received the paperwork. Then next thing I hear back is in XX/XX/XXXX claiming that too much time has passed to resolve this charge. Meaning that they sat on this case, while possessing everything they needed to resolve it, for three months and did nothing with it.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I sent a formal complaint regarding bankruptcy on my Equifax credit profile on XX/XX/2021. I received a notice from Equifax ( see attached ) stating they verified this information through XXXX. 

There is no bankruptcy showing with XXXX report ( see attached ) and I demand Equifax removed bankruptcy from my credit profile. This item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to me. 

Furthermore, Equifax is in violation to my right to privacy per 15 USC 1681 ( a ) ( 4 ) and per 15 USC 1681 ( e ) ( b ) they are responsible for maintaining an accurate credit report. Per 15USC 1681 ( n ) they are civilly liable for non-compliance. If the account are not removed immediately, I will be forced to seek additional financial compensation in ligation, report you to the XXXX  and my attorney general
Consumer complaint received 2021-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received a payment of {$300.00} on XX/XX/XXXX through PayPal as part of my XXXX baby registry. PayPal has withheld the funds until now with no explanation other than under review and will not allow me to cancel the transaction and refund our friends or do anything. The money is simply sitting in PayPals account and they refuse to take any action.