davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Inflection.com, Inc. (PA)

I placed a fraud complaint with XXXX XXXX  of XXXX XXXX TX on XX/XX/XXXX regarding someone trying to open an account in my name using my SS #. 

Today, my employment agency did a background check and found that someone is still using my info. from XXXX, KS from XXXX and in XXXX NY on XX/XX/XXXX.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (AZ)

USBank Focus Card visa debit recieved my SS each month. On XXXX at XXXX multiple transaction went thru and I was notified via text alerts while I was at home. Contacted bank immediately and stopped my card and filed a dispute. Waited until The following Saturday 7 days later and I called the bank to inquire why I had not recieved the documents the stated were being mailed. Then I was provided a fax # which I then had them send documents via fax which I filled out and Faxed back. 13 days later I contacted bank again for status of my claim and was informed the case was closed as dispute team determined NO fraudulent charged occurred. USBank XXXX informed me she has no info WHY? And can not help us at all and apologized. I requested phone # to dispute dept and that could not be given to me. Currently XXXX was taken from my XXXX card that left me {$30.00} to my name. My hands are tied and told sorry. Please help me.
Consumer complaint received 2021-11-22
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. (TX)

I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

My account was hacked with chime. My card was stolen and I lost around XXXX from my account. They denied my claim twice and when I got in contact again I was told my claim information wasnt even being reviewed they just denied it. I reached out to the business on XXXX about these issues I was having and they blocked me. At this point I feel as if I have been wronged to a point of needing 3rd parties I reached out to the XXXX  and they couldnt get any solution with the bank.
Consumer complaint received 2023-06-10
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)

I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to investigate and remove the accounts and inquiries that are unknown to me, as reported on my Credit File. I recently discovered a relevant law, namely the FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that the Credit Bureaus are obligated to remove any such accounts, inquiries, or information within 4 business days after XX/XX/XXXX. I have previously mentioned this law in my complaints, and I am reiterating it now. The items in question are as follows : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXalance : {$2400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries nor did I authorize anyone else to do so on my behalf. I suspect that this is a case of identity theft, and I am taking appropriate measures to report it to the authorities. Although I am unsure about the exact nature of these unauthorized accounts and inquiries, I trust that you will conduct a thorough investigation to ascertain their legitimacy.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (HI)

XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND EQUIFAX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. EQUIFAX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Consumer complaint received 2020-12-23
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: SYNCHRONY FINANCIAL (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB/XXXX  add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-10-24
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. (WV)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/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 2020-11-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (TX)

Received collection notice from Hyundai Motor Finance dated XXXX XX/XX/2020 and received today indicating my payment iao XXXX is past due. Late payments may result in late fees and may damage your credit. It is very important that you prevent further collection efforts on this account. My payment is due on the XXXX of each month and was made on XXXX XX/XX/2020 and posted on XXXX XX/XX/2020. I always make my monthly payment within the grace period allowed and have never received a collection notice for late payment. This is a creditor harassment. I reached out to the company and was told " we are not sure why this happened and to just regard the notice ''. This response is unacceptable and I am requesting a formal apology from Hyundai Motor Finance. It is my belief that this has happened because I took XXXX XXXX XXXX to arbitration and won and they now have to replace my current vehicle with a new vehicle. I've leased 2 Hyundai/XXXX  vehicles and have never ever received a collection notice.
Consumer complaint received 2020-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Since before XXXX of 2019, there has been a company called " Pioneer '' that has been harassing myself XXXX, and my son XXXX. They claim to have a partial loan of {$24000.00} in their ownership, and keep harassing me to apply for a payment plan. I'm already paying this same exact loan through the U.S. Department of education. Through the U.SXXXX Department of Education, I've already paid over {$10000.00} through garnished wages and garnished income tax refunds taken from my son and myself. My son went to XXXX XXXX XXXX from XXXX XXXX for 9 months, after that he joined the XXXX XXXX XXXX ... Where the military paid for his studies from that time and on. My son is a XXXX XXXX XXXX veteran, why on earth am I being charged over $ XXXX for 9 months of schooling by two separate companies? I've pleaded with Pioneer, asking them to send me a promisary note stating the agreement " I signed '', through mail as evidence ... But they refuse to send it to me, because clearly it's a fraud and I never signed an agreement to make payments through this company.
Consumer complaint received 2020-11-13
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: DISCOVER BANK (OR)

We bought a laptop online, directly from XXXX on XXXX XX/XX/2020. 
It died on XXXX XX/XX/2020. 
XXXX shipped a replacement laptop on XXXX XX/XX/2020, while placing a hold on our credit card pending return of the defective laptop. 
On XX/XX/XXXX XXXX received, but then apparently lost, the defective laptop, turning the hold into a charge. This delivery was at least one day prior to XXXX two week return deadline. 
I filed a dispute with Discover Card when my bill closed, including this charge, on XXXX XX/XX/2020. 
After receiving copies of XXXX  receipts proving delivery XXXX told me that everything is resolved and I shouldn't be seeing a charge. 
I had given Discover Card copies of those same receipts from XXXX  showing that I sent a package to XXXX and that it was received before XXXX return deadline. 
Nothing XXXX has sent to Discover Card and Discover Card has made available to me either mentions or denies that they received the defective laptop returned by me. 
In spite of the proof of delivery on my part and the lack of a dispute of this fact on XXXX 's part Discover Card has ruled against me and said that I need to pay XXXX, without explaining why this decision makes sense.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Companies Involved : TransUnion, XXXX and XXXX. 
Over one year ago I noticed a filed bankruptcy paper on all three of my credit reports. Immediately I began contacting the agencies about the problem. Upon XXXX disputes these XXXX items are still present on my report. This matter has affected me and my family dramatically. I'm unable to get employment in my line of work, XXXX etc. Under the FCRA act all three agencies must remove in accuracies. 
( XXXX ) Bankruptcy XX/XX/XXXX reference number # XXXX ( XXXX ) Bankruptcy XX/XX/XXXX reference # XXXX I've contacted the court to verify they told me they could not give out that information. 
If not resolved my next step will be a lawsuit with small claims court.
Consumer complaint received 2021-11-29
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. (LA)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, one being 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX Account nameXX/XX/XXXX Account number XXXX  {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX  Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XX/XX/2022. 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Consumer complaint received 2023-06-10
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. (NE)

I am a victim of identity theft. Someone used my personal information to open accounts, credit cards, and make unauthorized purchases in my name. I discovered this when I received bills and collection notices for accounts that I did not open or authorize. This has caused me a lot of stress and XXXX, and has damaged my credit score. I have reported this to the Federal Trade Commission ( FTC ), and I have requested copies of the fraudulent records from the companies where the fraud occurred. I am working hard to restore my identity and clear my name.
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MS)

I have attempted to contact XXXX XXXX because they bought my debt, sent this letter in XX/XX/1922 notify me that my account was sold to them, but never sent me anything prior to that for me to sign or give them permission. I have tried calling them. I never get an answer and Ive tried disputing it, and nothing is happening. I did not!! give them permission to buy it. I did not sign anything.. They did not send me anything. Their website always crashes and its hard to contact somebody, I asked and complained that they remove this debt from my credit report because they wrongfully sold my debt to a third-party, XXXX XXXX XXXX XXXX XXXXXXXX It did not notify me at all about it. They shared my information my account numbers, and that is illegal and against FCRA.. I asked that they remove this collection and debt for my credit report and from all bureaus!
Consumer complaint received 2023-06-10
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. (CA)

In accordance with the Fair Credit Reporting act ( XXXX Account # XXXX ), ( XXXX XXXX, Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

We have been trying to open a checking account since early XXXX. For an unknown reason, it has been impossible to complete. Since XX/XX/XXXX, no one from Wells Fargo has contacted me by email, text, phone or mail to provide any information as to what needs done to finish the set up of the account, or to tell me what the status is. I have called 1-2 times a week to find out what is happening. Each time, it is a different story. Please review the file to see how many times I have called. 

We were told the application was approved about 10 days ago, then I called again and was told that a docusign needed done because of some illegible hand written info. Last Friday the docusigns came to the 4 parties who all signed theirs. Monday I called and they said it was being reviewed again. Each time I am told not to call back, as someone will contact me if they need anything. Then just now I was told that a signature on the docusign was illegible. No one notified me, again, I was not sent anything to resign. 

I asked about going to a branch to finish the application, and was told I would have to start all over again. We have been banking with Wells Fargo since the XXXX. At that time, we had about 25 accounts between checking, savings, credit cards and loans. We have about 12 account now. When I just now asked the rep how to close all of the accounts, he said to go into the branch. I don't want to close all of my accounts, but it looks like that is what Wells wants me to do. I have to have another checking account for a separate business, and I insist on having everything at the same bank so I can easily make transfers and review all of the accounts from one place online. Now I am stuck between starting all over again going into the branch, where the other members have to meet now which is very difficult. Or keep calling and see if we can get an account set up. I have opened dozens of bank accounts through work the past 30 years. I have NEVER had an experience anywhere close to this. It would have saved a lot of time if Wells Fargo just told me that they would not set up an account for me, as I have wasted hours of my time and it has been quite stressful. Thank you