davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XX/XX/2022 XXXX I drove up to atm deposited {$600.00} into atm machine took money shut down and didnt credit credit or kick money back out. I reported incident immediately to branch and to claims they provide a temporary credit and then took it back saying atm isnt over I asked for video knowing I did this deposit they wont provide all they did was send a still Picture of me in drive through with the money in my hand and still say thats not enough proof Ive been begging and disputing for 3 month bottom Line is XXXX stole my money and wont provide video to show I was actually there I have gotten a XXXX police report against the bank it happened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX They wont give me any video of me in atm and keep denying my Claim they are thieves beware! That atm always has problems and they are aware!
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. Thank you! 

P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

My personal Information is being shared through the dark web in many different ways. My dob, ss #, old address, phone, old bank info, and my email. I have aggressively attached from information from 10 years ago. I've worked so hard for weeks to track down many different sources. Cash Net USA has an account on me from 10 years ago. They told me they sold my information to XXXX XXXX XXXX who then sold it to XXXX XXXX who told me it's on a " shelf ''. A few weeks ago XXXX XXXX XXXX  contact me about a loan in my name which I did not request. I had to file a police report # XXXX. I have been getting fraud calls up to 20 a day. a company called me from NY called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. Registered with the sate of NY as a business. Very NASTY! Had all of my info from Cash Net USA. Demanding my debit card for payment. XXXX XXXX XXXX XXXX has just emailed me the loan that was summited in my name with old info that I NEVER filled out after I sent them a copy of my police report. I'm so terrified. I have purchased prime life lock protection.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (VA)

I had a Business Account in Chase Bank and On XX/XX/2023 Evening my Chase Bank Business Account was closed even though in the same day morning I spoke to Bank and everything was fine. I received payments from my Clients and I also transfer amounts to my partners and employees as usual conduct of Business. Im also going to attach the evidence of legit payments I received from my clients but Chase Close my account by citing Suspicious Activity and didnt provide any reason. Next Morning I went to Chase Bank Branch and heard same thing and also heard that I can never open an account in Chase for a life time and that they just close my account which is a complete humiliation and discrimination against an innocent customer. My account and business wasnt involved in any kind of wrongdoing but dont know why got a humiliated treatment from Bank . I even tried to show them documentations to prove my point but they refused to listen or see anything. I really want CFPB to take action against this financial institution for humiliating and discriminating a customer for no reason at all.
Consumer complaint received 2020-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as XXXX, Experian, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Consumer complaint received 2023-03-06
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. (SC)

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.TransUnion and XXXX responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 XXXX TransUnionXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 ( 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.

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.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 U.S.C 1681. 

Accounts Has violated my rights, XXXX # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A state I have the rights 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 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to XXXX and Equifax. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.
Consumer complaint received 2020-10-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc. (OH)

Current Balance is being challenged as the XXXX is trying to collect more than the amount owed. We have been back and forth several times in an effort to resolve the true amount. The billing office of the XXXX do not keep proper records and seems to be very confused on what the total amount owed, since they have been collecting from 2 insurance companies and I have been personally making payments which were not properly recorded. Also the total amount quoted for my son 's XXXX was {$2000.00} with 9 months given as the timeframe to complete the procedure. The timeframe was extended to 3 years and the price kept increasing. The only reason, I was able to get the XXXX off my son 's XXXX  was because we were relocating out of state and then they held my XXXX XXXX and would not allow him to leave until I paid {$500.00} over the phone. 

SAVIT Collection agency is demanding that pay another {$470.00}. On XX/XX/XXXX I received an email with my receipt which had a balance due of {$470.00}. On XX/XX/XXXX I paid another {$400.00} via check # XXXX, however, SAVIT is demanding {$470.00} and is refusing to acknowledge that I paid {$400.00} on XX/XX/XXXX while I'm disputing the balance of {$75.00}. 

On XX/XX/XXXX I attempted to resolve the issue with the XXXX XXXX through XXXX  XXXX XXXX but SAVIT again has refused to remove the incorrect data from my credit file and is demanding that I pay an additional {$470.00}.
Consumer complaint received 2022-07-18
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: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX pulled her credit report this month and saw a tradeline from Barclays Bank that she is a co applicant on and she does not know where this tradeline came from, nor did she ever give her consent or sign any form of documentation that gives her consent to run her credit or social security number. She is in need of help to remove this foreign tradeline from her credit completely.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.
Consumer complaint received 2022-12-21
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. (TX)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX 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 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I accidently transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to let them not to process this transaction on XX/XX/2020. 

Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. 

The fake website which I had accidently transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. 

Citibank is not protecting its customers from such fraudulent transactions.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (NV)

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IN)

I purchased an item on Amazon  using my Chase Amazon credit card. The item is a Prime item and I am a Prime member. This means that items I purchase that are defective are able to be returned with Amazon covering the cost of shipping. 

I ordered an item, a pair of pants that were substandard and defective. I attempted to resolve the matter with the merchant directly but received no response despite several contact attempts. Amazon too was unable to prove a refund or paid shipping label saying that this item was privately fulfilled and thus did not qualify for Amazon Prime. Note, I have a screenshot of the item showing that it is indeed a Prime item. 

I called my credit card company to dispute the charge. Despite waiting hold for over 45 minutes, no one ever assisted me. There are statutory deadlines that this ineffective assistance is causing me to run afoul of and I would like the credit card company and Amazon to fulfill their fiduciary duties. I hav spent much more time on this issue than is fair for the cost of these pants ( about {$35.00} XXXX.
Consumer complaint received 2021-05-29
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: Experian Information Solutions Inc. (VA)

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX ( multiple ), XXXX XXXX ( multiple ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AZ)

GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late. 

In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX  score prior to this. I have never made a late payment in my life. 

Please take a look at this and help me. GM Financial is so difficult to deal with.