davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (NY)

The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached. 

The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived. 

The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )
Consumer complaint received 2021-01-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Please find my complaint against Chex Systems for failure to comply with Section 609, 611 FCRA. I am attaching to my complaint components of Section 611 FCRA. I am filing this complaint based upon an erroneous report on my Chex Systems File from XXXX XXXX XXXX XXXX. In their response to the CFPB Chex systems stated that if a police report was submitted they would reinvestigate the complaint. Chex Systems also referred me back to XXXX XXXX XXXX XXXX  for further information. XXXX XXXX XXXX XXXX has failed to comply with Section 609, 611 FCRA by failing to provide me with the required information pursuant to Section 609, 611 FCRA. 

I make demand of the following information as part of Chex Systems reinvestigation into my complaint under Section 609, 611 FCRA. 

I demand the time, date and authorization utilized by XXXX XXXX XXXX XXXX to access my credit file for purposes of establishing an account with them in the name of XXXX XXXX XXXX XXXX XXXX, I demand all identifying documents associated with or in connection with establishing an account with XXXX XXXX XXXX XXXX, the person supplying those documents and the time and date those documents were provided to Chex Systems in the name of XXXX XXXX XXXX XXXX XXXX, I demand all copies of account agreements, contracts, depository history or any identifying document that referenced XXXX XXXX XXXX XXXX XXXX, I demand the type of investigation taken by XXXX XXXX XXXX XXXX and Chex Systems to verify the information supplied to Chex Systems by XXXX XXXX XXXX XXXX to verify the report related to XXXX XXXX XXXX, XXXX, as required under Section 611 FCRA. 

I am enclosing the contents of Section 611 FCRA to ensure that Chex Systems and XXXX XXXX XXXX XXXX comply with the statute regarding the investigation of my complaint and the dispute of the information on my credit file with Chex Systems , Inc., Please comply with all facets of the submitted statute under Section 611 and demands I have made with regard to my dispute under Section 611 FCRA.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2020-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL) (FL)

There are two accounts on my credit report which were medical bills and I never received a statement for the credit agencys name is AR resources. I spoken to the original debtor and was told these were medical bills from 2014 at which time I had insurance and they failed to bill the insurance. XXXX  from Florida which the hospital had on file at time of service and the medical group did not. But I received no notice or phone call from either party. At this time they have tarnished my credit and I should not be penalized if they did not do their job in a timely fashion. I would like to have these items removed from the credit bureaus as soon as possible. Thank you.
Consumer complaint received 2020-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

During Covid I missed monthly payment. The following month I was able to make a payment. The XXXX month after I was able to make a payment. The XXXX month after I made a double payment to make my mortgage current. The problem is that they did not apply my double payment on the day i made it and are reporting that I was more than 60 days late on a payment. I have called numerous times to resolve this issue and they basically refuse. I am looking to refinance and it is basically impossible if your payment history shows you have been more than 60 days late on a payment.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (KY)

In XXXX Citbank closed two of my secure cards I have yet to receive my secure deposit back after they told me I would in no more than twenty four days.. they are now charging fees and money to accounts that they closed not me.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TN)

I was notified by XXXX that they could not debit my account on Friday, XX/XX/2022. I knew I had enough funds in my account to cover the payment. I called PNC and spoke with a lady named XXXX. She said my account was under investigation because of a wire transfer which posted to my account in XX/XX/2022. I told XXXX that I was working with the FBI on the transaction. I also told her I had paperwork to support the transaction. The sender got upset with me when there was a delay in the purchase of XXXX for the sender. I went on to explain to XXXX that I had to notify the FBI when I received a call from a gentleman named XXXX XXXX in FL who stated the funds were supposed to be sent to him and take a 10 % commission. I told him that I had an agreement with the FBI and that I had to notify the FBI XXXX XXXX XXXX because he was asking me to commit money laundering. I notified the FBI and made them aware of the issue. I tried to explain this to XXXX. She began to assert that I was lying. I gave her the XXXX XXXXXXXX XXXX name and email address. I did use inappropriate language in my call with her and demanded that my accounts be closed out.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (CO)

Received notification through my banking app that an ATM withdrawal was made in XXXX CA on XXXX in the amount of {$480.00}. I did not make the withdrawal, I was at home in my residence in XXXX, Colorado with my bankcard in my possession at the time the withdrawal was made. I immediately contacted my bank and disputed the transaction, and submitted documentation that I was not in California on XXXX. My dispute was denied by my bank on XX/XX/22 claiming that there was documentation that the transaction was legitimate. It could not be legitimate, and, I was not advised to file a police report during the initial report on XXXX so no police report was filed until today after being told that I would need to appeal the bank 's decision.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MI)

My checking account with XXXX XXXX XXXX was recently acquired by US Bank. When that happened they began charging me fees for ATM withdraw ( both ATM fees and international fees ). I had no such charges with XXXX XXXX. 

I signed no papers agreeing to these charges with US Bank, nor did I agree for my account to be managed by US Bank. I realize at this point that I have no choice since US Bank has bought my account but they refuse to refund more than 5 charges. Since I did not agree to these banks terms nor did I even want to be a US Bank customer I am asking them to refund all of these fees but they refuse. The fees are listed below. 

XXXX - {$8.00} XXXX - {$8.00} XXXX - {$8.00} XXXX - {$5.00} XXXX - {$8.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} I would like these fees to be returned as I did not agree to these terms for my checking account. I have contacted them and they refused to refund any more than five ( returned fees not listed above ).
Consumer complaint received 2021-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-12
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. (FL)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-14
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. (TX)

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (MN)

I applied for a loan online thru their site to get help with my credit consolidation I sent over all my personal info and filled out the application. I never heard anything back from them. Have called SEVERAL times and no one answered. and emailed also!! No one will get back to me. I do not trust them and do not want the money at all anymore. Unsure what they did with my info and how I can move forward.
Consumer complaint received 2020-11-14
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: Kelsting Group, Inc. (CA)

XXXX XXXX XXXX XXXX Pacific Service Credit Union are both illegally reporting that I owe them for the same account. This is not the fair credit Act. Pacific Service Credit Union has paid XXXX XXXX XXXX and has reported a collections on my credit for XXXX while XXXX XXXX XXXX is also collection for the same closed account for the amount of {$8100.00}, both companies are asking for me to pay a total of {$17000.00} for the same account. This is fraud, I have disputed this, because this needs to be deleted off of my credit, and both companies denied, and want to collect two separate payments totaling in {$17000.00} for the same account that was closed in XX/XX/XXXX, which was insured with insurance for payment in the event something happened to me, and it did. I lost my child, and XXXX stated that they was not going to accept my insurance coverage on the credit card, because I was XXXX  before getting the insurance, although my child was diagnosed with XX/XX/XXXX after I enrolled and was paying on the credit card insurance. My daughter XX/XX/XXXX, I lost her, and I lost my job because of it, and when I filled out the credit card insurance medical paperwork coverage to have them pay the credit card bill thru insurance that I was paying XXXX XXXX XXXX for credit card coverage, they denied it. The refused to accept the claim to pay the credit card off. I would like these companies to remove this error off of my credit report. 
I believe that the item should be removed from my credit file. XXXX XXXX XXXX refused to accept my claim for my credit card insurance payment to pay the bill off, while I was out on XXXX for the loss of my daughter, and then I was terminated by my employer. I wrote them a letter several times explaining that. I was baby. XXXX XXXX XXXX told me that my XXXX XXXX stemmed from the diagnosis I got about my daughter 'sXX/XX/XXXX XX/XX/XXXX, but I had a XXXX & XXXX in XXXX of XXXX, and started seeing a XX/XX/XXXXdoctor, so my claim should have bene paid. My XXXX claim was for XXXX regarding, my loss of child but, XXXX XXXX XXXX denied the claim stating my XXXX is associated with the diagnosis of my child before I got credit card insurance. I have attached my proof of documentation. 
Please have XXXX and XXXX XXXX XXXX delete this off my account. I have done everything out of goodwill, medical documents to have this resolved, yet they both are trying to collect money from me on the same account, which should be illegal
Consumer complaint received 2022-09-21
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2021, I received unauthorized transactions alerts to my Bank Of America ( BOA ) Business account ending XXXX. Immediately upon verifying the transaction I froze my account and contacted BOA. I was told that there would be an investigation and to give them up to 45 days to resolve. Within hours my claim number XXXX amounting {$1400.00} was denied. At the same time of denial I had been intouch with XXXX since from my bank statements I could see somehow thats how the fraud occurred. XXXX after a short investigation had verified the transactions to be FRAUDULENT and assured me once Bank Of America contacted them ; my funds would be reversed. However after numerous attempts of explaining and even giving documentation to BOA ; I was only insulted in writing and over the phone. One representative went as far as accusing me of purchasing XXXX since that was one of the transactions according to him .On average I deposit as much as XXXX XXXX into my account which is supposed to be insured. However in this case BOA only need to contact XXXX and refuse to do so.Please Help
Consumer complaint received 2022-09-11
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)

accordance with the fair credit reporting act 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 2020-11-14
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. (FL)

I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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