davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CT)

On XX/XX/XXXX I purchased a XXXX pre-paid MC Debit Card from the Gift Card Rack at XXXX XXXX for {$300.00}. I had some Cash that I wanted to use for a purchase online and since I already had a XXXX Acct I thought this was a valid option. The only real information visible on the packaging was that it was not a gift card. I was aware of that, however I thought it would work like a reward debit card for which I have had several and found them easy an convenient to use. It was not until I tried to activate the card that I realized that something was not right. Initially I explained that I purchased the card for a one time transaction and that I assumed the card was active until the balance was used. The answer I received was 'yes you can do that ' Turns this card had an expiration date of XX/XX/XXXX. Then I went through a lengthy credit interview and realize that this was a not what I thought it was. Because I had already purchase the card I felt I had not other option so I activated the card. Next I went the use the card and was unsuccessful. I conducted the transaction on XXXX where I now have an active Debit & Credit card to make purchases. The purchase I was making was {$340.00}, I wanted to use the entire {$300.00} balance on the Debit and charge the remaining balance {$40.00} to my credit card. That transaction failed, when I call XXXX support that's when I found out that the XXXX Debit card was not actually XXXX and that they could not help me. I ended up applying the entire purchase on my credit card. So over the last month or so I have used up the balance on the debit card on smaller transactions and have keep track of the balance. On the last purchase attempt the transaction failed because I was overdrawn. When I called them I was told that I was over drawn and had a - {$2.00} balance and that include the $ XXXX monthly service fee. When I told them that this is not how I thought this would work and that I acquired this card for a onetime purchase they said they would cancel the account. I said yes and the agent said ' one minute ' when she can back she said she took care of it. Then I said now I would like to pay off the {$2.00} balance she said I could not because she had already cancelled the account. So I never did use the entire balance on the card ( {$1.00} remaining ) The next day I received new XXXX prepaid Debit card in the mail with my actual name on it and a new account number and a new expiration of XX/XX/XXXX. I did not ask for this card and I have not activated it. 

Lastly I was not aware that this was a netspend acct. until I fill out the complaint. It was not mention in any of the documentation I have from them.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX I received an email that a bank account was being opened with my information at Bank of America. They had my email address and my social security information. I immediately called and put a freeze to all of my credit cards and my social security number. I went to a BOA location and complained there. They showed me the account that was opened and I reported it as fraud. They said they closed the account and took care of the situation. Over the next few months I monitored my credit cards and social security information closely with no other issues. Then in XXXX I received another email that an account was being opened with my information again. I immediately called and filed a fraud complaint with BOA and expressed my frustration that this is the second time my social security number and information was being used to open an account. I have not had any uses or issues with my credit or social security number anywhere else other than at Bank of America. I have had to shut down my credit cards multiple times and not have access to my credit as well. I also just a few weeks ago received another email that the user ID being used to create these fraud accounts was disabled. I will be attaching photos of the emails. Please help me with this situation. Thanks.
Consumer complaint received 2022-07-28
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. (MS)

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} Date Opened : XX/XX/2018
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (TX)

Allied Interstate calls 50+ times per day from multiple numbers and area codes. Calls start as early as XXXX XXXX and as late as XXXX XXXX. The caller ( s ) are from a call center ( XXXX based by accent ) and will call back immediately from a different number if the previous call is not answered.
Consumer complaint received 2024-10-24
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (PA)

I checked my credit report on credit karma today ( XX/XX/XXXX ) and saw a significant drop in my credit score, from over XXXX to under XXXX. The impact was in XXXX of XXXX. A credit card ( XXXX XXXX XXXX  XXXX XXXX ) was opened 3 months ago, on XX/XX/XXXX, using my old married name, not my current legal name. I'm not sure how a credit card can be opened using a name that is no longer legal. It was also opened using my old address. The card didn't appear to be used, but the annual fee ( {$61.00} ) was not paid, which ended up putting late charges on my credit account, lowering my credit score by XXXX points. The late charges were within 30 days of not being paid. I called the bank on the same day ( XX/XX/XXXX ). The bank said they would close the account and I would not be accountable for the annual fee/current balance, but I want to make sure my credit score is fixed. I froze all XXXX credit union accounts in the meantime and will be filing a police report.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX OH XXXX. My date of birth XXXX. 
I have XXXX addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH,XXXX Please send me a new credit report.
Consumer complaint received 2023-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MD)

On XX/XX/2023, I accessed my Aidvantage account to try to understand what my interest rates would be when I start repayment. I went to " Account Summary '' and " Loan Details, '' looked through my various different student loans, and couldn't find any information about what my interest rate would be now that student loan repayments are starting again. I have included a PDF of the loan details for one of my student loans demonstrating that interest rates are displayed as 0 % with no information about where interest rates will stand in XXXX. Aidvantage seems to be hiding this information, claiming instead that the interest rates are 0 %. This makes it extremely difficult to plan repayment in advance. They do show the total to be repaid that clearly incorporates an interest rate, so they should transparently display those interest rates instead of misleading their customers.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX, XXXX, and equalifax I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also total XXXX XXXX  XXXX XXXX  account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXX XXXX XXXX XXXX  does not own this collection, but still showing that they do. 
XXXX XXXX  I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023 my bank account was hacked from an outside source and XXXX was wire transferred to the hackers account. After reporting it the same day the bank did an investigation and said there is not they can do its not their problem. After starting the claim with Wells Fargo I was never once updated or asked any further information about the claim and they still refuse to answer any questions about the decision.
Consumer complaint received 2023-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023 we have requested that the escrow account attached to our mortgage in good standing be closed. 

Citizens bank quickly without writing denied the request not including the escrow waiver agreement via mailed documents. 

On XX/XX/2023 we appealed the denial and were told our mortgage needed to be paid at 80 % loan to value the mortgage is currently at 87 %. 

No where in the closing disclosure or legally binding agreement is this stated only that the bank may close the escrow account at anytime for any reason which was also a option at closing, the bank is in violation of misrepresentation, breach of contract and concealment of documents. 

Citizens bank also continues to hold a account without my consent which is against federal law
Consumer complaint received 2023-07-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Equifax has refused to remove one item of debt that has been removed last year. XX/XX/XXXX The account with XXXX XXXX XXXX has been resolved and has been removed from my XXXX  and XXXX  accounts since XX/XX/XXXX Yet when I contact Equifax I'm given all kinds of excuses.
Consumer complaint received 2022-07-28
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. (HI)

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. 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 that you post on a credit report.
Consumer complaint received 2020-06-29
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: U.S. BANCORP (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority (GA)

The company keep reporting to the credit bureaus about not paying on this balance. I first filled out the form to get credit for working at the Police department for 5 years. Every time I submitted the information the claim they didn't get ; so I gave up on that. Due to the fact, my income is under poverty level I feel out a extension for the paying back the loan. I was told I couldn't get any more extension. the rep and I discussed for them just to take my state taxes. I had no problem with that. When I pulled my credit report they keep report I'm late on my payments. I can't be late when they take my state taxes and all the other money the state gives me ( the checks for the Covid etc. ). By this company the report this and not reporting that they have been paid. It's ruined my credit and can't get any assistant nor jobs. I asked for them to send me the original contract that I stated I was paying {$70.00} a month. The only thing I agreed to was paying with my stated taxes. we barely have enough money to pay the bills. I also asked the credit reporting agency to correct this, but nothing has been done as of yet.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) .Without my direct consent CHASE AUTO FINANCE have used my credit card number 15 USC 1602 ( i ) aka social security number for its own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ), CHASE AUTO FINANCE mailed me a statement constitutes a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 1 ), CHASE AUTO FINANCE did not have apparent authority to use the consumer 's credit card or open-end credit plan. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited, adverse credit report is also prohibited. I am demanding and entitled to Documentary Evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Chase is refusing and failed to provide documentary evidence.

CHASE AUTO FINANCE said they will report the alleged debt account to my consumer credit report without my written consent as mandated under the FCRA will violate my consumer right under 15 USC 1681b ( a ) ( 2 ) and my privacy under 15 USC 1681 ( a ) ( 4 ), false deceptive under 12 CFR 1006.18 ( c ) ( 1 ) Pursuant to 15 USC 1692j CHASE AUTO FINANCE is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. Not revealing the name and address of the original creditor CHASE AUTO FINANCE is involved in a False or Misleading Representation pursuant to 12 CFR 1006.18 ( e ) ( 1 ) failed to disclose that they are attempting to collect a debt. And willfully not disclosing the name and address of the original creditor.

The Truth in Lending 12 CFR 226.15 Right of Rescission states the consumers have up to ( Three ) 3 years from the date of the consumer credit transaction to rescind any consumer transaction, if the required notice or material disclosures were not delivered. Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest directly or indirectly to CHASE AUTO FINANCE.

Pursuant to 12 CFR 1006.6 ( c ), Im demanding that CHASE AUTO FINANCE cease all further communication and all collection efforts have being terminated.