davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
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. (TN)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX  XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (IL)

It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

We had been working through financial problems with XXXX XXXX XXXX and had just paid off a settlement of our Bank of America card ending in XXXX. The settlement amount agreed upon by Bank of America was {$14000.00}. The settlement date was XX/XX/2022. 

XXXX XXXX XXXX paid our two cruise refunds, {$6200.00} and {$5800.00} ( totaling {$12000.00} ) into this credit card ( ending XXXX ) on XX/XX/2022, just before the card was closed but the cruise refund was paid in just prior to closing, and the bank kept the refund. 

Bank of America had agreed on the settlement amount of {$14000.00}, which was paid to them a month prior to the refund being paid into the card but they also took the cruise refund of {$12000.00}. 

We are hoping that it is possible to get the {$12000.00} back from them and paid into our bank account. 

Can you help? I have all the emails and the settlement letter.
Consumer complaint received 2022-11-07
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. (LA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (FL)

in accordance with the fair credit act convergent account # XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (NV)

I scheduled an auto bill pay from Nevada State Bank for my mortgage to XXXX XXXX  on XX/XX/XXXX ( funds to be withdrawn on that date ). On XX/XX/XXXX the funds came out but the check was endorsed by XXXX XXXX XXXX  ( even though the check was made out to XXXX XXXX  ) After hiring a mortgage fraud investigator, I found out the check was deposited into the wrong lock box and XXXX XXXX endorsed the check by mistake. I have contacted Nevada State Bank to rectify this situation on multiple occasions even giving them the XXXX XXXX account number on the back of the check starting on XX/XX/XXXX, As of today, XX/XX/XXXX this still has not been fixed. I filled out a fraud affidavit on XX/XX/XXXX and was told it could take up to 30 days to fix. Still nothing.
Consumer complaint received 2019-03-30
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: Receivables Performance Management, LLC (TX)

I HAVE CONTACTED XXXX  AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

RECEIVABLE PERFORMANCE IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I reveiwed a current copy of my credit report and show inaccruate information. Account name XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete account.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I was sending money to someone on paypal when all of a sudden they put my account on hold for no reason I went back and forth with them for 1week trying to verify my documents and after handing in all the correct documents when I checked my paypal to check if my account was of hold it said my account is now banned for 180days. My account is banned for 180 days with the money I was supposed to send someone a whole week and a half ago they money is still on the account I just want to get it out so I can send the person their money and I do not want to wait 180 days I really need my account back this week if possible I can not wait 180 days at all not even half of that my email to my paypal is XXXX and my name is XXXX XXXX
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AL)

I am very frustrated with how wells fargo has treated me in this situation. My online account was XXXX on XX/XX/2015 I called wells fargo but they told me to go to a local branch to open a new one. I did but on the last day of me finishing opening up the new checking account, XXXX XXXX was in the branch, which I had no idea she was there. Then a few minutes later the police showed up but they didn't do anything to me as I wasn't harassing anyone & the banker I was working with can verify I wasn't harassing XXXX XXXX. But she complained to XXXX XXXX who sent me an ugly hostile letter, saying wells fargo is exercising its rights to close my checking account. I called XXXX XXXX but he told me in an ugly tone that I knew what this was about. This was why my new checking account was closed so XXXX XXXX could do this evil dirty trick to have me arrested at the wells fargo branch. But wells fargo has refuses to do anything to make it right. This is real frustrated XXXX XXXX harassed me falsely calling XXXX on me trying to humiliate me. I never wanted a checking account to begin with, but I was pressured into opening one. When I wanted to cash my insurance check but I was approached by XXXXXXXX XXXX XXXXXXXX for me to open a checking account to deposit into my checking account. This was criminal what XXXX XXXX and those employees did to me, at the XXXX XXXX location. Why did they allow me to open a new checking account which wasn't in the negative if I was going to be treated this way? But wells fargo refuses to take action on these employees.
Consumer complaint received 2020-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I sent the below letter to Capital One 's executive office on XX/XX/2020, and it appears they are refusing to comply. I am also paying a settlement of {$1700.00} to them and would appreciate Capital One removing all information from their system so I may apply for their products at a later time, should the need arise. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To whom it may concern : While checking my personal credit reports, which I acquired from XXXX, I noticed numerous inquiries made by your company. I am not in the market for Capital One credit or auto finance products, nor was I.

I did not authorize anyone employed by your company, or any subsidiaries of your company, to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry without permissible purpose attached to said inquiries. This is a serious breach of my
privacy rights.

The inquiries in question are on the following credit reports : XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 | XXXX  : Capital One Auto Finance, XX/XX/2020, Capital One Auto  Finance, XX/XX/2020, Capital One Auto Finance, XX/XX/2020 and Capital One Auto Finance, XX/XX/2020 I request that you mail me a copy of my wet-inked signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above. 

If you can not provide me with proof that I authorized you to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NBT BANCORP INC. (MA)

I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I am furious!! Discover closed my account ( Account number ending in XXXX ) out of the blue for no real reason. They gave me some XXXX excuse and closed my credit card that I had with them for 9 years. This has injured my credit score because I lost credit age that I worked so hard to build up. THIS COMPANY IS IN VIOLATION OF 15 USC 1637a ( 1 ) because they can't close my credit as a protected consumer. As a consumer, my credit can not be " closed '' because I have the right to credit. This is an open ended credit card account meaning, it did not have a close date. Discover in fact closed this credit card account which was deceptive to me as the consumer. they mislead me into thinking this credit card was open ended, under FDCPA 8012, Discover furnished deceptive forms. I believe they closed my credit account in error, as the original creditor under 15 USC 1692g, I did not consent to this credit card account being closed. I want my cards back with all my years for credit reinstated. They even gave me a brand new card, then months later closed both the new and the old cards. I have always paid my cards on time. I am losing my mind over this, I need Justification.
Consumer complaint received 2020-09-16
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. (NV)

On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-15
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 is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of XXXX. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Pursuant to Section 605B of the Fair Credit Reporting Act this account XXXX XXXX Balance : {$0.00} will be removed immediately.
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (OH)

Chrysler Financial had my vehicle repossessed on XX/XX/2020. The requirements to get my vehicle back were a payment of {$2500.00} and proof of insurance in 20 days. I paid Chrysler financial on XX/XX/2020 and showed proof of insurance. Chrysler Financial failed to process my release in a timely manner to XXXX XXXX, the third party vendor who needs to release my vehicle and who hung up on me multiple times from XXXX before they closed which resulted in my being unable to get my vehicle back the day I was entitled to get it on XX/XX/2020. Neither company is taking responsibility and illegally have my property.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-09-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Business and Consumer Solutions. (CA)

This debt is past statute for collections. FBCS, Inc. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
Consumer complaint received 2019-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

The school I attended is no longer in business. I have NEVER been told about forgiveness options for my loans ; only given forbearance/deferment options. I pay {$80.00} to {$100.00} a month toward my loans, yet somehow I am still behind, with NO option to lower my payment so that what I am paying matches up with my monthly amounts. I get up to FIVE phone calls a day about the delinquency of my account. Once a month I get a mailbox stuffed full of letters from Navient about my account. I want to know what are my rights as an attendee of the now defunct XXXX XXXX   and what my responsibilities are.
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CASH AMERICA INTERNATIONAL, INC. (KY)

Received a call from someone who said he was an attorney and was filing grand larceny charges if I did not pay balance in full today. Tried contacting CashLand directly but have been unsuccessful.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NM)

I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.