davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Consumer complaint received 2022-08-08
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. (WI)

I opened a XXXX XXXX checking account XX/XX/22. And when it was approved, I received notification of application for the XXXX XXXX  XXXX XXXX XXXX credit card. I never applied for a credit card and never wanted another XXXX XXXX credit card, only a checking account. How a new credit card application was filed is beyond me. A hard credit inquiry on file on XX/XX/22 is fraudulent and not caused by me, XXXX XXXX. I called instantly on the same day the moment I saw it for XXXXXXXX XXXX  to stop the application and cancel anything related to the credit card application. On XX/XX/22 XXXX XXXX XXXX representative of the XXXXXXXX XXXX at XXXX XXXX XXXX contacted me, letting me know that he apologized for the experience and advised me to send in a request to XXXX XXXX  to remove it, but it was denied.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (GA)

I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX and XXXX are both complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.
Consumer complaint received 2022-08-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (OH)

On XX/XX/XXXX I submitted an FDCPA Debt Validation request pursuant to 15 USC 1692g ( b ) to Reliant Capital Soluctions, LLC ( " Reliant Capital '' ) regarding a debt alleged to be owed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In my initial debt dispute I disputed the {$930.00} total being alleged and requested that all supporting documents be provided to affirmatively demonstrate that I owed XXXX {$930.00} and how they reached that total. 

In response, Reliant Capital sent my a letter dated XX/XX/XXXX, which claims that I owed XXXX {$1200.00}, with no explanation as to why Reliant Capital was claiming more owed than what XXXX claimed less than a month earlier. 

Attached to Reliant Capital 's XX/XX/XXXX letter were print outs from XXXX, starting from XX/XX/XXXX to XX/XX/XXXX. Each print out claims to be a cumulative total of the amounts owed. 

XXXX claims I owe {$1500.00} XXXX claims I owe {$1600.00} XXXX claims I owe {$2000.00} XXXX claims I owe {$0.00} XXXX claims I owe {$0.00} This is consistent with my understanding that XXXX has been paid all moneys owed to it. The documents provided in response to my debt dispute fail to establish the {$930.00} claimed by XXXX on XX/XX/XXXX or the {$1200.00} being claimed by Reliant Capital on XX/XX/XXXX. 

I believe that Reliant Capital has violated 15 USC 1692e by providing false and misleading information, claiming that I owe an amount in excess of the amounts claimed by the party they are collecting a debt on behalf of, and further by providing documentation which they allege support the alleged debt they are seeking to collect - when that evidence actually establishes a {$0.00} balance.

Reliant Capital has failed to substantively answer my Debt Validation Request, and in fact provided evidence that there is a {$0.00} balance, and yet they claimed I owe {$1200.00}. I've submitted a second debt validation request on XX/XX/XXXX, advising of the same. 

Further, beyond documents being provided showing a XXXX balance, the debt they allege to be collecting are from XXXX and are barred by statutes of limitations in the state of Ohio. Reliant Capital has further violated CFPB regulations and the FDCPA by pursuing a time barred debt.
Consumer complaint received 2019-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (WI)

On XX/XX/2019, a payment of {$3900.00} was charged to my credit card. The finance company ( XXXX XXXX XXXX ), made an inquiry to XXXX XXXX XXXX on XX/XX/2019 and found that I did not have an account with XXXX XXXX XXXX, the originating charge. 

XXXX XXXX notified me that there was a problem with my account. I called them and they told me that scam had been made against my account and that the transaction had been reversed. I asked who made the charge but they stated they didn't know. They did know that it came from XXXX XXXX XXXXXXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 
I assumed that all was then care of. 

On XXXX XXXX they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. One person said he would refer the problem to their Fraud Dept. Gave me the number to call and the Fraud Dept. denied the case was referred to them, but would investigate.

Then the Fraud Dept. sent me a letter telling me they found no fraud, that I had made the transaction and they would do no more.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc (TX)

Subject : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to request the removal of closed accounts from my credit report. The following accounts are closed and no longer active, and I believe their removal will help maintain the accuracy of my report : Affirm XXXX XXXX close and it was open since XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UMPQUA HOLDINGS CORPORATION (NJ)

Financial Pacific Leasing is preying on small businesses who have been impacted by the COVID-19 pandemic and struggling due to the current state of the economy. My business entered into a loan agreement with Financial Pacific Leasing in XX/XX/2020 in the total amount of {$33000.00}. The business suffered terrible hardships as a result of the COVID-19 pandemic. A business partner/investor passed away from COVID-19 in XX/XX/2020. Then the country shutdown in XX/XX/2020 and the business was subsequently not able to operate. When the Government allowed businesses to operate again the tow truck had severe mechanical breakdowns including the engine failing and could not operate. We spent XXXX of dollars on repairing the tow truck but unfortunately it is still not operable. During these hardships I made payments to the bank in a temporary reduced payment plan and I also remained in communication with Financial Pacific Leasing by phone and emails. I even offered to turned over the equipment to them but they said it was of not value to the bank. I have been receiving collections notices demanding full payment for balance owed in several different amounts. Some notices state the balance due is as high as {$75000.00}. There is no documentation stating how they have come up with these balance due amounts and I am extremely concerned that a bank can legally charge such an exorbitant amount of interest and fees. There are several similar complaints about Financial Pacific Leasing online and there are many other businesses being victimized by their predatory and unethical lending practices.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 ) Please remove the following inaccurate address from my credit report : I C SYSTEM INC. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MI)

Your company is reporting several accounts on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. 

These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. 
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. 

Please remove this from my credit report so I can start possibly rebuilding my credit and life. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/XXXX In the last week I have over {$600.00} dollars over charged by a grocery store I shop. 

Upon reconciling, then comparing and contrasting the charges to my checking I discovered - the same merchant debit over {$600.00} dollars above and beyond that which I authorized or consented to. 

Immediately, XX/XX/XXXX I called Bank of Americas claims department to file a claim, I was told it would take 10 days or more to be credited those funds in excess of {$600.00} prior to calling my bank, I attempted calling the merchant and was on placed hold over 1 hour, and then disconnected. 

When calling B of A I was treated rudely, hung up on and disconnected numerous times just to report the matter. 

B of A claims process for their customers to report issues is extremely burdensome- and waiting 10+ days in order to receive my money back seems questionable. Not to mention it places a further hardship on their customers especially when it comes to being able to pay to pay their bills by getting their monies back timely.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America, without any notice, locked me out of all seven accounts I have with them, accounts I have had for decades. Total deposits total over {$500000.00}. When asked why they did this, they only say it was a business decision. They did this on XX/XX/year>. As of today, XXXX XXXX I do not have my funds. Numerous calls have been made, they have lied to me repeatedly saying the funds will release the next day and be mailed to me. It never happens. They now have my funds for over 30 days and continue to use my funds to their profit. This has had a catastophic affect on me and my business. I have had to borrow money to keep my head above water. This should be illegal!!! Had they simply requested I leave the bank, I would have made that happen in a day. They also blocked a wire for $ XXXX and $ XXXX by refusing to confirm the wire to my new bank, XXXX, so XXXX was forced to return the wire and this cost me {$50.00} per wire plus the wire fee of {$30.00} that I paid to Bank of America.
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

since XX/XX/2021 I have been trying to get equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being disputed Collections XXXX & XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXXXXXX {$970.00}
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (OR)

On XX/XX/2022, had an accident in my leased vehicle. My insurance company declared a total loss on XX/XX/2022. 

On XX/XX/2022, my insurance company sent a check for {$24000.00} to XXXX XXXX XXXX XXXX, which was cleared on XX/XX/2022. 

My lease for Hyundai was due to expire in XXXX, XX/XX/XXXX, and we were in the process of speaking with our bank to get a loan to cover the {$14000.00} buyout amount at the end of the lease. 

Because the insurance paid XXXX XXXX {$24000.00}, there is a discrepancy of {$9700.00} which is in credit on the account. Hyundai refuses to pay me the difference ( the credit amount ) on the account, after giving me false information every time I have called them over the past 6 weeks. 

I have been told that a check will be expedited, that a manager needs to evaluate the account after 30 days, that the manager needs 5-7 days to evaluate the account, that it could take an additional 10 days to process the check and send it out, and now that they won't release the funds because it was a leased vehicle. I even asked if it could be transferred to a new vehicle purchase, and they said that was not an option.
Consumer complaint received 2022-08-08
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. (CA)

I called Transunion and explained the federal law and that there was information i didnt consent to be on the report or i didnt report. I asked them to remove it because the items were not mine. they refused to remove. I then stated that they were in violation of 15 usc 1681n. the employee told me they knew and continue to tell me that the information will not be removed.
Consumer complaint received 2022-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

bank not applying payments correctly Per XXXX no monies applied to principle per XXXX payment no monies applied to principle per XXXX payment no monies applied to principle which is not showing a decrease in principle amount have attempted to have bank correct stayed on phone 4 hours on phone agents disconnected twice one agent disconnected on call with agent transferring call neither called me back so, for three months my principle amount has not changed which means the interest that is being charged is being applied to a principle that should be lower.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act By Law Everything has to be 100 % accurate on my credit report 15 USC 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Name : USDOEXXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Experian stated my accounts was properly investigated but how is that possible if the report date is inaccurate, the date last active is inaccurate and date open is inaccurate ( see attachments ). This ground for removal. They also violated my rights under : 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i & 1681e. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be. available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with me full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters. from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. You are rejecting my letters and I have stated via mail & phone with your XXXX representative about my letters are created by software. You are not abiding by the US LAW. Process Attachments and Delete the Account.
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.