davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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)

Your Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report Dear Equifax Dispute Team, I am writing to formally dispute unauthorized hard inquiries on my Equifax credit report. After a thorough review of my report, I identified several hard inquiries that I did not authorize, as listed below : Disputed Hard Inquiries 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 XXXXXX/XX/XXXX I did not authorize these hard inquiries, nor did I initiate any actions that would have resulted in their placement on my report.

Legal Basis for Dispute Under 15 U.S. Code 1681b ( c ), only permissible purposes may warrant hard inquiries on a consumer report. These inquiries do not align with my credit application history, nor did I grant any creditor the necessary authorization. Additionally, 15 U.S. Code 1681c-2 states that a consumer reporting agency must block the reporting of any information resulting from identity theft or unauthorized actions within 4 business days of receiving notice. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) : I have a right to privacy and confidentiality under 15 U.S. Code 1681 ( Section 602 A ), and these unauthorized hard inquiries are a violation of that right. Under 15 U.S. Code 1681i, I have the right to dispute inaccurate or
unauthorized entries, and the reporting agency must investigate and correct any errors.

Requested Action Please remove the listed inquiries from my credit report within 4 business days of receiving this notice. Failure to resolve this matter may lead to further claims for statutory damages for unauthorized entries on my report, as these hard inquiries impact my credit score and financial standing without my consent. 
Thank you for your prompt attention to this matter. I look forward to confirmation of receipt of this dispute and the resolution of my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted XXXX XXXX XXXX, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted XXXX XXXX XXXX  to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

on the XX/XX/2020. the was hacker into my checking account, and use app " XXXX  '' to sent money out my account ( one times for XXXX and XXXX ) early XXXX around XXXX XXXX I dicovery it then Call ussaa bank to complain. they said open the fraud clamp and help me reset account XXXX XXXX. I did change password, security code. I did not I don t use " XXXX  '' and like to remove it but they insist that is part of the bank. 
Next day when I check my account again the is total " six transfer " money out my account USING XXXX same receicers. 2 of them did go throught and 4 is stop and did return back to my account.time hap ) pen is within 3 min ( from XXXX to XXXX XXXX USAA BANK later issue letter state they found no evident fraunt found on my account. and refuse to refund my money. total around XXXX I did talk to IT guy in USAA and he said hacker used diference device hack into account I did call USAA AGAIN on friday but tey said decicion have been made. there no fraud on my account I like to help me how to get my money back from the bank and where Ican go for help
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.
Consumer complaint received 2020-02-20
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

American Express advertises it's " Purchase Protection '' as a perk of their cards ( https : //www.americanexpress.com/en-us/credit-cards/credit-intel/purchase-protection/ ). However, what they don't tell you is that it doesn't actually provide any protection because it's secondary insurance and in order for them to actually cover anything you have to first make a claim on your home owner 's insurance or renter 's insurance. So if you have say a {$1000.00} loss within the advertised 90 days ( their maximum coverage ), and your home owner 's insurance has a {$500.00} deductible, American Express will pay at most the {$500.00} deductible and your home owner 's insurance would pay the rest ( but then your home owner 's insurance policy would go up the next year more than the {$500.00} they paid out ). This fraudulent misrepresentation of the " purchase protection '' on their website and in their advertising makes consumers believe they have purchase protection when in fact American Express has no intention of making good on their promises. I had this exact situation happen to me where I made a large purchase on my American Express card XX/XX/20 for {$2500.00} thinking that I was covered. I had to have the item repaired on XX/XX/20. Both the initial purchase and the repair costs were charged to American Express. American Express then refused to covered the {$1000.00} they advertise unless I make a claim on my home owner 's insurance, and then XXXX would only cover the {$500.00} deductible. They know that it makes no financial sense for home owners to make such a small claim on their policies because the insurance costs will go up the customers, so their " purchase protection '' program is worthless to anyone that owns a home or has renter 's insurance ( i.e. the vast majority of people ).
Consumer complaint received 2020-07-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: YKS Acceptance, Inc. (CO)

Herbies auto sales XXXX colorado XXXX XXXX XXXX  on XXXX colorado On XX/XX/XXXX I was trying to buy a car on Herbies auto sales but they didn't told me what was a lease on XXXX I get the lease for XXXX I found that was a lease for a hause seller that I paid more than XXXX for the lease I told them and they say they can do nothing for me and they erase that on credit report after that I decided to buy the car and make the new contract I buy it on payment I bought it on XX/XX/XXXX but they say I pay XXXX cash but I was making payments and they don't want to give me the extra XXXX over pay on lease and put those years on payments on my credit
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (OK)

I got my state income tax return for OK state tax year XXXX. I had an issue with my mailing address and never received a card with my return on it. I contacted the stated and they said its out of their hands once they forward it to the card company. I got the number for Way2go. I called and its an automated loop with no way to talk to a representative. I tried multiple numbers but they all require a PIN, which is generated after you receive a card. There is no way to contact them if you never get a card in the first place. I would like for a Way2go Associate to contact me.
Consumer complaint received 2020-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (HI)

I am writing to inquire if you could help me with an aggressive collection company named XXXX XXXX XXXX. 

The credit card debt from my Bank XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, XXXX XXXX XXXX took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since XXXX has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than eight years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charged me a late free in XXXX for allegedly missing a payment. However, I got an email confirmation that says I submitted a payment on XX/XX/XXXX XXXX payment is due XX/XX/XXXX. ) I attempted to contact American Express using my account 's online web portal but there is no way for me to dispute this charge ( unlike other charges which provides an easy link ). I attempted to call them, but have been disconnected or put on wait endlessly. This is most likely due to the COVID-19 situation. I was charged a total of around {$45.00} in late and interest fees.
Consumer complaint received 2020-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (ND)

I refinance my home to payoff the current mortgage and the HELOC into one loan. At closing we received a payoff statement that was very vague. The last statement we had showed the principal balance was {$39000.00} as of XX/XX/2020. My refinance paid off the loan on XX/XX/2020. The payoff statement stated the per diem is {$5.00} per day. with this calculation my payoff would have covered 32 days of interest. This would roughly be about {$170.00}. Per the payoff there were about {$92.00} unaccounted for. When I contact US Bank they could not explain the additional fee. I have been waiting for about 10 days for a response and have heard nothing. Also, the HELOC loan and all information is no longer available for me to access thru US Bank.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I was sent a listing for a beach house rental For the week of XXXX by someone name XXXX XXXX XXXX XXXX XXXX XXXX I was told that if I booked the rental through XXXX that I would have to pay extra fees but if I paid via XXXX, that I would not have to pay any transaction fees. I had access to XXXX through my TD bank account app so I was under the assumption that my transaction would be protected by my banking company. I submitted two payments, one was a down payment for {$1000.00} on XX/XX/XXXX, and the next was a final payment after I received the lock box number, property address, full contract/rental agreement and an invoice ; this payment was for {$450.00} on XX/XX/XXXX. I showed up to the property on XX/XX/XXXX and it had already been rented out. I immediately called TD bank who transferred me to the XXXX department to file a fraud alert as the transaction that I had submitted to XXXX XXXX, actually went through to a XXXX XXXX. Unfortunately XXXX said I was not protected by TD bank fraud, and XXXX is not responsible for fraudulent payments or scams. They said I will need to file a police complaint instead.
Consumer complaint received 2020-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.
Consumer complaint received 2020-06-29
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. (CA)

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX Co XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

An identity thief used my information to fraudulently open an account and purchase devices totaling {$1600.00} at XXXX in XX/XX/XXXX ( in addition to opening other accounts at XXXX XXXX XXXX and XXXX ). By the time I learned this had happened, it was XX/XX/XXXX. 

I contacted all three cell phone companies to report the identity theft, XXXX and XXXX XXXX XXXX sent me letters confirming the accounts were opened fraudulently, but XXXX confirmed verbally over the phone that it was fraud, but never sent me any follow up and instead XXXX referred the account to collections - originally a company called XXXX. I filed a police report and took all the steps outlined on identitytheft.gov to contact XXXX and XXXX to let them know I was a victim of identity theft and to cease attempts to collect ( XX/XX/XXXX ). 

I received no follow up from anyone, but the collections account did disappear from my credit reports, so I assumed the problem was resolved. 

Then today I received a collections letter from a company called Southwest Credit for this XXXX   account, despite the fact that it was made explicitly clear that I was a victim of identity theft, and this debt is not mine.
Consumer complaint received 2020-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I had debt with XXXX  XXXX which was closed with a status of paid/closed never late. Portfolio Recovery Associates ( PRA ) purchased the account. PRA is still reporting this debt as open and derogatory when according the FCRA this debt has passed the 7 year allotted time.
Consumer complaint received 2020-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (HI)

I am writing to inquire if you could help me with an aggressive collection company named United Collections Bureau. 

The credit card debt from my XXXX  XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, United Collections Bureau took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since United has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than XXXX years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.
Consumer complaint received 2020-08-25
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX  XXXX {$1000.00} XXXXXXXX XXXX   XXXX {$130.00}