davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IA XXXX XXXX : ( XXXX ) XXXX and Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I applied for a credit card to be used for an international trip in XX/XX/XXXX. I let the bank know I never received the credit card, it was closed and I received another card. Shortly after my trip I paid the balance off and closed the credit card the following month. XX/XX/XXXX I noticed monthly payments were taken out of my checking account ( Total amount {$570.00} ) I called and complained of fraud. They said the payments were going towards a credit card and the only one I could think of was the one I used for my international trip which I paid off in full and closed. Another major issue was that I never authorized these auto payments towards this credit card and I complained about that. I was told the balance on this card was the annual fee that was never paid and it inured interest - there were no purchases made so the balance is only annual fee and finance charges. I made the full payment and closed the card therefore there should not be an annual fee nor finance charges. The bank has made a huge mistake and making me pay for their mistake. I've had other international cards, paid them off in full and closed them. This one they failed to close when I requested it. 
Theyve sent to collections and ruined my credit history. They also did not renew my current credit card which expired XX/XX/XXXX which Ive had for many years and always paid my monthly balance in full. Ive been a loyal customer to this bank for over 20 years. This has caused me extreme stress, very upsetting and disappointed with this bank.
Consumer complaint received 2022-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My claim XXXX XXXX XXXX BOA= BANK OF AMERICA XXXX XXXX XXXX XXXX MY COMPLAINT AGAINST BANK OF AMERICA I filed a claim regarding a XXXX transfer done on XX/XX/2021 and XX/XX/2021. 


I did not approve the XXXX transfer ; I called to file a claim less than 5 business days as soon as I noticed it. 

I explained to the representative that the BOA bank mobile app would automatically sign in to the BOA app ; I never authorized the app to do that. 

INCIDENT : I explained to the representative that my cell phone does not have a lock and that my XXXX XXXX XXXX son uses my cell phone to watch videos. I explained to the representative that my son leaves my cell phone unattended while we are in the playground, eating, grocery shopping etc. I filed a pollice report. 


I HAVE ALREADY SENT BOA THE DOCUMENTS/ SCREENSHOTS OF THE BOA APP AUTOMATICALLY LOGGING INTO THE APP. THE BANK OF AMERICA APP SAVED MY PASSWORD. ( THE APP HAS THE AUTHORITY TO CHANGE THE PERMISSIONS ON MY CELL PHONE ) THE BOA REPRESENTATIVE SENT ME DOCUMENTS USED TO DENY MY CLAIM. THE DOCUMENTS SHE SENT ME ACTUALLY PROVE MY CELL PHONE MUST HAVE BEEN HACKED, BECAUSE THE IP ADDRESS SHOWN DON'T MAKE SENSE.

EXAMPLE : THE IP ADDRESSES SHOW A CITY AND STATE AND 30 MINUTES LATER THEY SHOW A DIFFERENT CITY AND STATE THAT ARE ABOUT 2 HOURS AWAY FROM EACHOTHER.

THIS DOESN'T MAKE SENSE.

I JUST WANT BOA TO PLEASE GIVE ME BACK MY MONEY.

1. ) I WILL PROVIDE A COPY OF THE POLICE REPORT I FILED REGARDING THE FRAUD 2. ) I WILL ATTACH A SCREENSHOT OF EMAILS I RECEIVED FROM SCAMMERS 3. ) PHISHING EMAILS EXIST 4. ) I WILL PROVIDE A DOCUMENT FROM HOPE OF THE VALLEY ( FAMILY SHELTER ) THAT PROVES I WAS HOMELESS 5. ) MONEY GOT STOLEN/ TRANSFERRED VIA XXXX WITHOUT MY PERMISSION, CONSENT, AND KNOWLEDGE 6. ) DURING THE TIME MY MONEY GOT STOLEN I HAD BEEN APPLYING FOR APARTMENTS ONLINE AND IN PERSON. -- > THE RENTAL APPLICATIONS REQUIRED ME TO PUT IN MY PERSONAL INFORMATION -- -> NAME, CELL, SOCIAL SECURITY ACCOUNT, EMAIL ADDRESS ETC. 
7. ) I WILL PROVIDE A SCREENSHOT FROM MY CELL PHONE STATING A " VULNERABILTY " HAD BEEN DETECTED 8. ) I FILLED TWO POLICE REPORTS ONE OF THEM WAS THROUGH THE IC3 WEBSITE AND THE OTHER WAS THROUGHT THE XXXX XXXX XXXX POLICE DEPARTMENT 9 ) I WILL UPLOAD A PICTURE OF AN AFFADAVIT I WROTE REGARDING MY CELL PHONE BEING UNATTENDED BY ME AND MY CELL PHONE BEINBG LOCKECX
Consumer complaint received 2022-06-24
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: DISCOVER BANK (CA)

XX/XX/XXXX : paid the whole balance of {$100.00} Discover credit card account XX/XX/XXXX : I called and cancelled my Discover credit card ; made sure to ask if there were other fees/balances that I needed to pay beforehand. Representative said no. 

Discover states that I had an outstanding balance of XXXX and placed my account in delinquency as of XX/XX/2022 which then drastically decreased my credit score.

However back in XXXX I called Discover and asked to dispute the balance, which they stated they would do over the phone. But now Discover is claiming there is no record of such call or dispute record. 
I called and asked to dispute the delinquency as my account was being closed and canceling all auto-payments with merchants. Discover provided a courtesy adjustment and waived the charge but declined to remove credit report. 
I asked for a goodwill adjustment but Discover refused.
Consumer complaint received 2022-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC (MI)

I have starting recieving calls from " XXXX XXXX XXXX '' ( XXXX ). 

The callers were very aggressive and demanding that I " verify '' my personal information so that they can share with me what they are calling for. I refused to verify my personal info with a strange caller and they refused to tell me what creditor they were calling for. 

They said I can go online to XXXX XXXX XXXX and I also called them back and another person answered the phone but knew exactly who I was and continued arguing with me because I wouldn't " verify '' my personal information. 

On the second call, they didn't ask for my personal info, but immediately stated that they were collecting for a specific credit card account that I do not owe a debt for.
Consumer complaint received 2022-06-24
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

department of education in accordance with the fair credit reporting act XXXX  acct # XXXX # XXXX # XXXX I have the right to privacy 15 u.s.c 1691 section 604 section 2 states a consumer can not furnish an account without my written instructions rights under 15 USC 1681 15b us code 1679c # XXXX # XXXX # XXXX
Consumer complaint received 2022-06-24
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. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-05-18
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. (WI)

While looking at my credit reports last week I found that the Equifax report showed a hard inquiry from XXXX XXXX dated XX/XX/XXXX. I found this to be a mistake because I have never been a XXXX customer nor have I ever asked for rates or services from them. I then made a 'my Equifax ' profile so that I could dispute this inquiry with Equifax directly. I made the dispute online as I was not able to get through on the phone. The online format does not allow for any type of explanation as to the reason for the dispute but I followed the prompts and selected that this inquiry was " not mine ''. I filed this dispute with Equifax on XX/XX/XXXX. I received a fairly prompt response that stated that " the inquires are a factual record of file access ''. Now, I have a negative remark on my report and my Equifax credit score dropped a few points after their investigation showed that the inquiry was " factual ''. I was told in the decision that my best option was to contact the creditor ( XXXX ) directly. 
Today I spent several hours on the phone with XXXX. As I had expected, they have absolutely no accounts, past or present, in my name. I asked if they could send a letter to Equifax to explain this and remove the inquiry from my report. Their fraud prevention specialist told me that without having an actual account, they could not send a letter to Equifax explaining this because their letter requires the person to have an actual XXXX account. Since I have never had an account, I was told that there was nothing they could do. The fraud prevention specialist also told me that the only way this scenario could happen is if someone fraudulently attempted to set up an account in my name but was unsuccessful. This happens when a person attempts to set up an account and the XXXX team in unable to authenticate or verify the individual, yet in the mean time, a credit inquiry is made in the process. Unfortunately for me, the credit inquiry was made under my name even though I was not the person attempting to set up an account. I pride myself on working hard, managing my fiances and having a solid credit score. This hard inquiry does not belong to me, yet I am stuck with it on my Equifax report. Additionally, as a result of the dispute, I show a negative remark on my report and a ding on my score with Equifax. 
After trying to resolve this mistake on my report with both the credit bureau ( Equifax ) and the creditor ( XXXX XXXX ) I have been unsuccessful in attaining resolution. I now turn to my final resort, the CFPB, the please help remove this inquiry from my report which does not belong there.
Consumer complaint received 2022-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MS)

This inquiry is in response to a letter I received from Sequium Asset Solutions , LLC asking for a response by XX/XX/2022. [ Reference XXXX ] On XX/XX/2022 I started receiving calls from this debt collection company alleging that I owe a debt and the company will be attempting to collect the said debt. I do not agree to pay or settle, admit to guilt, and/or any prior knowledge of said debt. I also do not know who gave this company the authority or jurisdiction to contact me, demand, request, or collect a debt from me. This is vey odd because I have never done business with Sequium Asset Solutions , LLC nor given this company permission to contact me. This company is based in another State and I do not have any obligation or signed contract to do business with Sequium Asset Solutions , LLC as an equal or as a consumer. I do classify as an American consumer and know that there are statues in place to protect my rights as a consumer but I'm not highly educated or claim to have mastered all or any legal terms, language, and clauses. However, I am indeed sure that Sequium Asset Solutions is a well known debt collection agency because they stated that multiple times during the call and it is stated in the letter that I received from the company. Some of the language used is confusing and gives me XXXX as a consumer ; It also makes me feel threatened and forced to be obligated or to comply although I do not admit guilt or prior knowledge of any alleged debt. I disputed this debt and collection thereof wholeheartedly and asked that Sequium Asset Solutions , LLC and/or affiliates stop collection immediately on the said debt and any additional amounts alleged to be owed by XXXX XXXX and to Cease and Desist contact by phone immediately. Any correspondence from this date of XX/XX/2022 is requested and can be accepted by U.S. Certified Mail to the address stated in the letter. I also requested all methods of verification, validation, to be thoroughly done. and documented for reference or further inquiry by me, within reason and their legal responsibility in accordance with Fair Debt Collection Practices Act. I have reason to believe this company is unfamiliar with or blatantly ignores FDCPA laws and regulations or practices. I have attached the letter I was sent and highlighted violations including 15USC 1692 b ( 2 ), 15USC 1692 b ( 5 ), 15USC1692C ( A ), 15 USC 1692d ( 2 )
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — 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 XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (TX)

I leased a vehicle through Mercedes Benz Financial on XX/XX/2019 with an initial balance of {$62000.00}. I was making regular payments on it, but my ex-husband left me, and I lost 50 % of my income. I could no longer afford the vehicle, so instead of just not making payments or waiting for it to be repossessed, I voluntarily surrendered it. I knew this would negatively impact my credit score, but I thought it was the most ethical thing to do. I returned the vehicle in mint condition on XX/XX/2019, and I had only had it for 4 months. Mercedes Benz Financial quickly sold the vehicle, but they began sending me letters to pay the full lease balance with penalties. They started harassing me, calling me late at night, and early in the morning. They were sending letters to my job as well as my house. Whenever I would block the number, they would come up with another number, and I just keep having to block them. Currently, I have over 65 blocked numbers from them, and it just keeps going and going. This routinely disrupts meetings, my sleep, and other important events. I work two full-time jobs and often work overnight, so I am typically sleeping when they call. This wakes me up, and I can not go back to sleep. It has become overwhelming and oppressive. 

I have contacted MB Financial and have filed multiple disputes through the credit reporting agencies, but they always aggressively respond that the balance is valid. This is not correct because I voluntarily surrendered the vehicle, and according to the lease terms, they were supposed to apply the money they received from the sale of the vehicle to the balance based on current market value. Instead, they charged me for the full remaining payments on the lease plus penalty. They did not apply any money from the sale of the vehicle. This is really hurting my credit, and I have no options at this point other than filing a complaint through your agency. Please help me.
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-04
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. (MD)

Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status. This is illegal and in violation of several 15 U.S.C. laws. This collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

100 % proof of violation under federal law ( See attached file )
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (NY)

Hi there Im filing a dispute against key bank there for not allowing me to have a bank open with them they are going against my past history that is years ago why are they doing that and I opened a account and they all ready restricted it for that reason now I need a dispute started to figure out who let they account open when they said I cant bank with them