davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX XXXX which owns XXXX XXXX, and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXXs payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I physically deposited first paycheck from a new employer into a Chase drive-thru ATM in XXXX, CO on Tuesday, XX/XX/2021. The ATM printed a receipt stating that 100 % of my funds would be available after a 2 day hold, on Thursday XX/XX/2021. However, the hold is still active and I do not have access to my funds, and I'm getting service interruption notifications on various accounts ( home utilities, cell phone, etc ).
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

there are already 5 complaints with this is no solution and the fees on my account only increase. I do not agree with so many fees that I have paid since XXXX. I called the bank again today and they answer, talk to us and say they will solve it and hang up the phone without giving any satisfaction, the treatment they give to the customer is absurd. and also when we open the complaint they promise to call us and solve it and they do nothing. I don't want them to call, I WANT THEM TO RETURN my money to my account, that's all. Enough of this clowning and being treated like garbage by the bank. I WANT my money back that the bank took me saying I must pay fees and more fees. I want a solution and on my account, enough talk. now I'm not going to complain here anymore, I'm going to look for my lawyer because the negligence is beyond the limit!
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NJ)

ATT XXXX  has been attempting to collect a debt that is not mine, and their actions have been harassing. I only found out about this matter when I pulled my credit report upon seeing an unusual decline in my XXXX score on a credit card statement. I successfully disputed the matter with the XXXX credit reporting agencies and it was removed from my transcript. I also responded to the debt collector ( XXXX in XXXX, FL ) on their website per their instructions stating the following : " I have had no business with ATT XXXX, and this is not my liability. This constitutes an error by ATT, either by attributing the item to me, or failing to properly validate the identity of the person who used their services at account opening. The issue was previously investigated and resolved by the credit reporting agencies to my satisfaction, and I expect the same from XXXX, with no further collection efforts directed at me as a result of ATT 's error. Please confirm acknowledgement and resolution of this matter. '' XXXX did not acknowledge my statement as I had asked. Instead they have now passed the matter to another debt collector called Afni in XXXX, Il, who has been sending me repeated debt collection notices. 

I would appreciate your assistance with this matter, as ATT XXXX, XXXX, and now Afni have mishandled this matter and are continuing to harass me over this debt that is not mine. It seems to me ATT could have simply pulled up the call logs attributed to this account and easily identified the fraudster.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: National Credit Adjusters, LLC (TX)

On XX/XX/2021, NCA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, NCA has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Social Finance, Inc. (CA)

I took out a personal loan from Sofi and set up an auto pay to avail of a 0.25 % reduction for all payments made using the Auto Payment feature. I was asked to submit a copy of a void check as part of the authorization process which I did on XXXX XXXX, 2021. The loan amount was disbursed last XXXX XXXX. 

Today, I received a notification from Sofi that my payment did not go through citing an incorrect routing number for my bank account and thus, my payment is not qualified for a 0.25 % reduction. I am actually reported delinquent in payment which made my credit score drop to XXXX from previous XXXX. 

The routing number in their system was completely different from the routing number on my check and the one I entered. I find this very disturbing because, first, I only possess one bank account and second, it would appear that I made up a routing number. 

I think this incident is deliberate to make consumer fall behind payments and/or guarantee for them not to get the discount on interest.
Consumer complaint received 2022-10-21
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: HSBC NORTH AMERICA HOLDINGS INC. (GA)

XXXX failed to verify the Charge Off / Closed account and balance amount being reported for HSBC BANK pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

This Debt was was recently added to my credit report as a collection and has ruined my credit report I have never had an account with this creditor and furthermore i am requesting that the creditor provide me with documented proof with my signed wet signature that this debt is owed by me if proof can not be provided with 21 days from this complaint I want this item removed and deleted from all three reporting agencies immediately also i am asking the creditor to cease and desist all reporting of this alleged debt to the reporting agencies while it is in dispute.
Consumer complaint received 2021-07-12
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: EQUIFAX, INC. (LA)

XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX a Texas company, at XXXX XXXX one night demanding that I provide banking information to pay for an unfamiliar debt before the account is added to my credit reports. The lady stated that she could see that the account is not on my credit files, and if I wanted to keep things that way, I would need to pay now, or the account that is not on my report would then be added. I said that I didn't owe anyone anything, maybe you have the wrong person, I am a victim of identity theft, and if she wants to communicate with me, she should do it by mail or email. I asked the lady to mail verifiable proof that the so-called debt is mine, but the lady just hung up in my face. Then, on XX/XX/XXXX, a collection account appeared on my three credit reports. I disputed the account across my credit files. I advised that I didn't have any business with any of the associated companies. I still have no verifiable proof that the debt belongs to me ; in fact, I'm certain that it doesn't. 
Additionally, I remember in XX/XX/XXXXa collection account appeared across my credit reports times before. The reporting collection agencies could not provide sufficient documentation that the debt belonged to me and each credit bureau removed that false collection account accordingly. AND This newly added collection appears to keep being sold from agency to agency because none can substantiate the debt. I'm tired of keep having to prove the same proof this debt does not belong to me. Additionally, XXXX XXXX XXXX  SHOULD NOT HAVE BEEN ABLE TO VIEW MY CREDIT FILES ; I have no business with them. They have several complaints with their areas XXXX  and other online complaints about fraud and stealing person money and not providing what they had promised to the consumer. I don't see myself paying for something that I do not owe and want this account REMOVED from my three credit files accordingly. What this company is doing to consumers is unlawful. The three credit bureaus should start considering the consumer ; I have Locks and freezes, I have even opted out of pre-screened offers, NO ONE should view my reports unless I do business with them. I want to sue them for financial damages
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 — Their investigation did not fix an error on your report
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I called and asked XXXX XXXX XXXX  located XXXX XXXX XXXX XXXX XXXX, Arizona XXXX ) their phone number ( XXXX ) for a copy of my consumer report so I can see what was stopping me from opening up an bank account. They sent me an copy. I seen that 2 TCF accounts were on there. 2 accounts that I was unaware of that were supposedly opened XXXX. So they told me that I can dispute it, so I did. XXXX XXXX, I went on and called the Huntington because they are who took over TCF Bank. I called them to get more information or documentation to support my dispute. The bank had transferred me through 4 departments ( customer service, management team, Huntington collections, and the department that handle old/closed accounts ) trying to locate an account with my name, social, and the account number that is on my consumer report. Everyone I spoke to at Huntington then began to tell me that there was nothing in their system popping up with my information. The lady then said that the account number is too long and is not in their number format. She went on to telling me that Any TCF Bank that wasn't active or was already closed before the conversion of Huntington taking over TCF have been Closed and removed from their system. A lady then said to me an that she could not give me something that is not there. So at this point I continued with my dispute and mentioned how I called and talked to numerous of bank representatives and that they could not bring up the account on my consumer report. After 1 week they removed one of the TCF bank accounts. XX/XX/XXXX I got a letter in my email stating that they spoke to my furnisher bank ( TCF National Bank ) located ( XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX ). I looked up the Bank to give them a call for documentation and on XXXX it says this Location is permanently closed. and the number that is listed to call is NOW Huntington Bank who has no record of my social security number or the account number. So I am really baffled, on how they received any information from a bank that is no longer up and running. How is a bank confirming that the information is accurate of the date of XXXX XXXX and they're permanently closed. And Huntington can't even located me by my social security. A Huntington manager told me that once they had told early warning that they didn't have anything for me in their system, they were suppose to remove it off my report.
Consumer complaint received 2022-04-19
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: DISCOVER BANK (CA)

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 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted Toyota financial services the next day and told them what happened. Me and the insurance reached out to Toyota about the accident. During the process Toyota repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with Toyota. My score went down XXXX point despite faxing and emailing countless paper work and documents to Toyota proving that the car was deemed a total loss by XXXX XXXX  nearly a month before Toyotas false missed payment claim. Ive never missed a payment with Toyota ever. XXXX and I have evidence of Toyota cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. Toyota recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, XX/XX/XXXX. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when Toyota associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX XXXX  a month prior to their false late payment claim. This has been one the most stressful process of my life.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-04-27
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. (WA)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, and the XXXX XXXX XXXX XXXX  stating that this item will be removed from my credit, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-10-28
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)

On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-06-23
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: Island Finance Puerto Rico (PA)

I have 4 unauthorized inquiries in my credit report. 
1- Island Finance LLC XXXX hard inquiry someone applies for a loan over the phone XXXX XXXX  XXXX hard inquiry someone trying to get a credit card XXXX XXXX someone trying to finance online XXXX XXXX someone trying to apply for a credit card
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I was scammed for {$400.00} on XX/XX/XXXX. I saw this when chase sent me a message that my account was lower than {$100.00}. I checked the app and {$400.00} was missing and sent to a random person. I called customer service and they were extremely rude. People hung up on me and told me I made this charge based on logging into my account. The next few days I see a charge of {$1000.00} as well as a check my job gave me reversed. I called several times and no one is helping me at all to get my money back.