davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (VA)

I opened a line of credit of {$250.00} and withthen 30 days I paid it off. I receive a letter saying that they had change the regulation and that even if I don't have a balance I still need to pay {$60.00} every month to keep my account open.I signed the letter and sent it backk to close the line of credit. But I got a bill for the amount Mainance fee of {$60.00} anyways. They said never got the letter and are forcing me to pay {$120.00} plus late fee in order to close the line of credit and they will continue to change me the {$60.00} every month until I pay off the loand. They also said will send me to collection.
Consumer complaint received 2022-12-14
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. (IL)

Hi I am submitting this XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

On Wednesday, XX/XX/18 I spoke with an employee from IQ Data about a debt I owed. I explained that I planned on paying it the following month. The representative informed me that I had options to pay monthly if I contacted a list of third party providers she gave to me, which ended up being loan companies. She told me that if I agreed to pay {$100.00} that Friday, she would put a stop on the debt before it hit my credit report. I agreed. She began the formal process of approving the payment ( Do you authorize IQ Data to take a payment of {$100.00} ... etc ) and I agreed. The following day, she returned my call and asked if I made payment arrangements with one of the companies. I informed her that I was not interested in getting a loan and would pay the following month as I originally stated. She became rude and aggressive, saying that it would hit my credit and never be removed. I explained that when I paid the debt I would have it removed. She continued to escalate and argue so I terminated the call. The following day, the company attempted to take a payment for the entire amount, {$2200.00} which I never agreed to. They were declined by the bank both times. They then proceeded to charge smaller increments to avoid the daily charge limit. They were able to charge {$1000.00}, {$500.00}, {$500.00}, {$100.00}, and {$100.00}. {$2100.00} of that was never authorized or approved. This was clearly fraudulent and deceptive activity as they were purposely trying to circumvent banking rules. I attempted to call the company back and they would not answer.
Consumer complaint received 2018-11-17
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. (GA)

This Complaint is placed as I have been disregarded by two of the major credit reporting agencies. In XXXX I submitted a dispute toward the credit reporting agencies in regards to my personal credit being compromised in a corporate breach. Although XXXX  has followed the law according the FCRA sect. 605b and blocked the identified items in my law enforcement report, XXXX and equifax never ackowledged my request. Therefore, I am filing this complaint towards their non-compliance with this congressional act.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, How did the credit agencies verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit agencies violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX - XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-22
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. (KS)

For the last several years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies transunion XXXX and XXXX have not sent me that validation information nor have they removed this from my report
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (FL)

I tried to resolve this matter with three credit bureaus and this company but they are not willing to work out this unauthorized inquiry situation. I asked them for months to provide me with a voiceover, a copy of my Driver License or any signed statement authorizing them to pull my credit report. Its been a couple of months and I still havent receive any response or documents showing otherwise. This is a major violation of the Fair Credit Reporting Act, so this mean they are breaking the Law.
Consumer complaint received 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, Chase bank deducted {$1800.00} from our checking account. 
Our monthly statement described this as a XXXX dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned of this that night, when Chase sent an email telling us of a letter to our accounts Letters & Notifications folder, informing us of the deducted sum ( see Attachment, " Chase letter XXXX '' ). A phone call with Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via XXXX was an unauthorized transaction. Chase made one attempt to contact me on my cell phone on XX/XX/XXXX at XXXX XXXX Chases records show they decided ten minutes later to pay the tenant from our account, and close the matter. This was wrongful, mistaken, and negligent of Chase for the following reasons. XXXX ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was our last payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) There was no dispute to which we were a party, until the {$1800.00} was deducted. A single attempt to contact us is insufficient, and the subsequent decision to close the matter XXXX minutes later is unfair and unjustified. 
( Even credit card charge disputes require more attempts. ) 3 ) Chase refuses to consider a pertinent condition preventing me from taking their phone call. I am an elementary school teacher, subject to strict laws governing cell phone use during working hours : I am not permitted to answer cell phone calls except for emergencies ( see Attachment, XXXX Cellphone Use Policy ). XXXX XXXX Customer Service promised on XX/XX/XXXX to follow up within XXXX business days. They have not. I have since telephoned them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XXXX ), but have not received any explanation or clarification, and moreover, have been told the back room analysts never take phone calls, nor talk to customers with complaints. Chases behavior is to deduct money from customers without sufficient notification attempts, and to refuse customer appeals or complaints. Chase should reimburse the {$1800.00} their mismanagement took from us. They hastily and wrongly deducted it from our account without warning, and decided that a single ( failed ) phone call was sufficient effort to contact. They robbed us of both our rightfully earned money AND any right to respond to charges. This is unfair.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.
Consumer complaint received 2018-11-16
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. (CA)

On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

My information was used to purchased goods and service from XXXXXXXX XXXX without my notice and authorization. I was never aware of the account till collected sending me statement collecting the amount they said I owed to them. I never open such an account, and I didn't authorized anyone to open the account. I have not benefited from the service and up to date I didn't know who opened and benefit using my identity.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAVALRY INVESTMENTS, LLC (FL)

In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Consumer complaint received 2018-11-16
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)

Good Day This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX 's account in XXXX 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX XXXX  - I don't know that company, never did any business with them, they have yet to prove how i would be affiliated with them. This account is not mine. this account needs to be removed from my credit report. 

5. XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX {$470.00} I have never had a XXXX XXXX XXXX account this account was opened fraudulently. I knew nothing of this account until seeing it on my report. 
The account is not mine. The account needs to be deleted from my credit report. 

6. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

Thank You
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANNER CORPORATION (OR)

I have just recently noticed that my email account had charges posted then erased idk who would have my email account password tho and I'm apparently missing XXXX that seems to have vanished I cant trace it other than my mailed bank statements which happen to say something about online game idk what game exactly but somehow it was used online alot
Consumer complaint received 2018-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

XXXX XXXX has contacted some of my family members stating that they are serving me with a summons. When I called them they told me that I owed money to Cash Central. This debt was paid XX/XX/2018. This company threatened to bring legal charges against me because I defaulted on the loan. When I told them I had already paid it they said ok. But a couple of hours later I received a phone call from a relative saying this company called them and told them I had not contacted them to resolve my debt and to contact them. I contacted Cash Central and they do not know who this company is. They said the sold the debt to XXXX XXXX and are not trying to sue me. I called XXXX XXXX and they also have no knowledge of this company. I emailed XXXX XXXX a copy of my paid in full letter showing this debt has been paid. And lastly, I contacted the TN Dept of Commerce and Insurance to see if this company is a licensed debt collector in the state of TN. They are not. They did the same thing to me last year. They called and harassed family members about a payday loan saying that criminal charges would be filed against me. Out of fear I paid them. They told me they would drop charges if I paid. I later found out that another company owned the debt and charges were never filed against me.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

Submitted a XXXX XXXX XXXX XXXX through servicer Nelnet under account number XXXX. Nelnet sent me a letter dated XX/XX/2018 ( attached to this complaint ) stating in bold that the review process can take up to 30 days to complete. Thirty days has passed and the status is still reporting as follows per the Nelnet website : Pending Final Approval.
Consumer complaint received 2018-11-15
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: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XX/XX/XXXX I received a phone call advising me that legal actions were being filed against me. The individual I spoke to stated that the card was opened XX/XX/XXXX. I called the number that was advised to call at XXXX and I was infromed of the fraudulent card I did NOT open. They claimed to be a legal office representing HSBC Card Services. When I informed them that this was a fraudlent card they accused me of denying a card I opened and insinuated I was lying and told me " I was not man enough to pay a credit card I opened. '' They ended the call then and there.