davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account xxxxxxxxxxxx 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-06-08
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: DISCOVER BANK (NJ)

I ordered a copy credit report with XXXX XX/XX/2022 and after receiving a copy of my report, I called your department because I saw some UNVERIFIABLE account on my personal profile ; I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time on my personal profile on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off from my personal profile. A copy of my Utility Bill, drivers license, and Income Tax Return are all included in this written request. Please check payment history, date open, last activity and Status of DISCOVER FINANCIAL SERVICES LLC Account XXXX I believe it was
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (VA)

1. Ford Motor Credit Company closed the auto loan in XX/XX/XXXX without notifying me in writing per the loan agreement. 
2. Ford Motor Credit Company tried to repossess the vehicle in XX/XX/XXXX without providing the 10 day notice in writing per the law requirement. 
3. Ford Motor Credit added {$12000.00} in interest after the company closed the loan and marked charged off. No additional fees or interest can be added afterwards. 
4. Ford Motor Credit refuses to provide reasonable accommodations to make monthly payments, re-open the loan or allow for refinancing with another financial institution.

5. Ford Motor Credit reported falsely on my credit report.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (VA)

I was recently notified that Afni, Inc. collection reported an account that I previously disputed as identity theft with the original creditor and with Afni on my credit report. They even reported an address with the account that I never lived at. This is illegal and a violation of the FCRA and FDCPA. I want them to remove this item because it is not mines and is a result of identity theft.
Consumer complaint received 2022-08-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email from Bank of America ( whom I've never done business with ) XXXX at XXXX asking me to click here to confirm my email address ( I did not ). I received a second one at XXXX congratulating me on my new credit card. I was able to get the account closed on XXXX. I will be requesting a fraudulent credit card application copy request form today from Bank of America.
Consumer complaint received 2023-05-08
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. (TX)

A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

On my credit report there is a fraudulent account on my report for a LEASE from a company called ACIMA FKA opened in XXXX for XXXX XX/XX/2017 to be exact I reported it as fraud to the company themselves and to XXXX credit bureau a year ago when I discovered it I am told I must make a complaint so that they can investigate and remove it Or make a police report Acima phone number is XXXX Please help me get this fraud off of my credit report ACIMA will not even tell me what property was leased using my name and SS # although I can prove I have lived here for 7 years and did not lease any property in XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (NC)

Regardless of protests & explicit instructions not to do so, American Credit Acceptance customer agents consistently processes automatic payment without my permission leading to extra fees being levied against accounts. Since there's no accountability for their misconduct or external recourse process for consumers - " No, there's no way for you to follow-up, it's an 'internal " process '' is the scripted response - and no policy to correct penalties caused by the actions of their staff, I'm filing complaints this complaint. On XX/XX/XXXX, I spoke to a representative at American Credit Acceptance to report an upcoming payment. When asked how I'd make the payment, I replied that & I would complete it manually on XX/XX/XXXX via their website 's payment portal ( XXXX '' ) which was my usual practice. A note in the account was supposed to contain this information. I called them on the XXXX to inform them that I was still awaiting a deposit toy account & ask for the date to be changed to the XXXX & was refused. I was then instructed to wait across the weekend for the deposit to arrive since it would be a minute before the accounts processed. I made a manual payment on XX/XX/2022 & noticed that there was a pending payment for XX/XX/XXXX. I immediately called & inquired why they processed an automatic payment when I explicitly told them I would pay manually via their payment portal. I was told that ALL payment arrangements have to be set for automatic draft. When I replied that their own agent asked HOW I'd like to pay, the representative got flustered. I restated that this transaction was done without my permission so I wanted to escalate to a supervisor and any penalties & fees caused by their employees ' actions should be removed, I was told that there was no supervisor, it was an " internal '' process, and no one would follow-up with me, leaving me no recourse. The only 'help ' I received was them telling me that since the transaction could not be stopped on their ( in spite ofnthe manual payment ), I should call my bank to see what they can do. Subsequently, they are still continuing to process the payment adding {$85.00} fees for each attempt. This is notntheb1st time this has occurred, but my first time seeking assistance from this agency, thank you.
Consumer complaint received 2022-06-08
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: Paypal Holdings, Inc (KS)

I just enrolled into XXXX XXXXXXXX XXXX XXXX XXXX because I keep getting denied for credit for no apparent reason and they are showing several attempts with my social security number i think 4 since XX/XX/1922 one showing my social security number with the wrong address and the other 3 with the wrong addresses and wrong social security number these are all listed under inquiries to my credit info via the dark web as told to me through XXXX XXXX XXXX XXXX XXXX. Also I have received strange inquiries through my text msg on my cell number recently through XXXX XXXX asking me to receive an money request and I have no XXXX XXXX XXXXn my name. Also I reported last month the same as I received an email about a PayPal account that I never opened which I called them and reported it. As well as there is two old XXXX account with XXXX fallowers each ( XXXX total ) showing my pictures of which I have not had access to for around 3 years now, the accounts were hijacked from me by an extremely XXXX  computer network engineer ex boyfriend of mine 3 years ago named XXXX XXXX XXXX. XXXX  who would XXXX XXXX XXXX out of me and steel my cell phone, thus me getting a new phone and starting a new accounts, neither of which I have been able to access for 3 years now. When I approached XXXX they told me that since I did not have the password or recovery information for the accounts which he had already changed to his personal information that there was nothing I could do to close the accounts and so I was stuck not being able to close them PERIOD. unfortunately this happened twice, before I was able to escape the abusive situation. IF I could think of anyone involved with fraudulent activity on My personal accounts it would be XXXX XXXX XXXX XXXX mo I found an XXXX  bill for XXXX $ as well in his son 's name with mine that I never signed for. And I have gotten several strange emails with XXXX XXXX XXXX and as well as XXXX XXXX. I'm quite sure they are into catfishing innocent people out of my old XXXX  accounts and doing the most illegal activity which is the reason I was scared to report such crimes for I was scared that they might come to harm me if I told on them. I was informed by the local authorities here in XXXX XXXX  that I needed to report this to the fbi as well so I will be seeing how to get them involved too if I need to. Thank you for your help.
Consumer complaint received 2023-01-12
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)

I, a consumer and natural person, was denied credit by XXXX XXXXXXXX XXXX when I applied for a XXXX Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a Capitol One Quicksilver card. There was to be a {$200.00} cash bonus if I spent {$500.00} in XXXX months. New customer offer. I complied with everything.. I called to find out why I did not receive my cash bonus. I was told I qualified and should receive it by XX/XX/XXXX. I called back the end of XXXX and was told I did not not Qualify as my card did not offer the {$200.00} bonus. I was told by two supervisors there was a notation on my account stating I did Qualify but that was not accurate. They said the person who made the notation would need additional training. Really?? You can't make this stuff up. The truth is I did Qualify and I can prove it. My daughter Emailed me a screen shot of the original ad. There is a tab on that ad to sign up for this program. You use the tab on the ad to sign up, making it impossible to make a mistake. We did this together and she received a referral bonus when I signed up. Subsequently I have printed current ads and they have the same promotion that I was offered. It seems that whenever you search CAPITOL ONE QUICK SILVER CARD this promotion comes up with the card. I have copies of my card, the two recent promotions and the cop [ y of the original promotion. I was told by a CFPD customer service representative that this isn't the first time this complaint has been made against Capitol One.
Consumer complaint received 2022-06-08
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days I request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I went inside XXXX XXXX branch located in XXXX, Ga to do 2 wire transfers in the amount of {$30000.00} and {$40000.00} dollars. I had a mortgage closing on XX/XX/2022 at XXXX. So on XX/XX/2022 I called Wells Fargo corporate department customer service and executive dept. they stated they could not help and directed me to the branch. As I went to the branch I spoke to the manager XXXX XXXX, asking her what happened to my funds? She contacted Wells Fargo wire department. They told her there was compliance issue and needed more information as in date of birth and address. Wells Fargo did not contact me anything in regards to that until I had to go there myself to find out that information. The Wells Fargo branch manager told me that the wire should be there the next day. So the seller of the home alllowed me to postpone for a day only. So the closing was scheduled for the XXXX of XXXX. The next day and till this day no funds has been recieved. 

I have spoke to several people in Wells Fargo corporate office and the bank manager is ignoring me Ive sent several emails. All they are telling me is that they cant do nothing. 

Wells Fargo has my {$70000.00} I cant afford to pay rent, food, pay bills due to all the funds being taken by them. There telling me to wait another couple weeks. I lost money on the closing as well.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Wednesday XX/XX/XXXX I unlocked my debit card so that my rent funds could be deducted overnight and I woke up to XXXX unauthorized transactions from an account I am not familiar with. I immediately contacted Chime and they immediately denied my claim. I asked that they reopen it and investigate due to me not making the transactions. They were made about XXXX and I was sleeping in bed and had my card physically with me. They reopened my dispute and said I should have a resolution by XXXX XXXX. So 3 months I have waited patiently when all I want is my money so that I can close my acct. i contacted chime on XXXX XXXX because there has yet to be a resolution to my dispute and they said they sent an escalation to the investigation department and that they would contact me with in XXXX business days because they dont know why its not resolved. Of course no one contacted me so I reached out again Monday XX/XX/2022 and again no one had answers so they escalated it up again to the investigation department and said again someone will contact me in 3 business days. No one still did not contact me. So I just contacted them today XX/XX/2022 only for them to tell me that the investigation team just yesterday XX/XX/XXXX, requested a charge back from the merchant and that it can take up to another 30 days. At this point I am livid because why would the company just now be trying to initiate a charge back from the merchant knowing I didnt do these transactions. Chime dispute process has to be one of the worst I have encountered
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-06-08
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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