davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX  - CARD SERVICE XXXX
Consumer complaint received 2023-06-30
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. (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 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. Or 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 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (GA)

On XXXX XXXX XXXX I sent United Wholesale Mortgage my updated county tax statement because I am over accruing with them on taxes. They never responded. I called them on XXXX  to discuss further and they had me submit a request through their website, which I did. They never responded with a solution so I followed up on XX/XX/XXXX. They finally responded that the request would be completed by XXXX They never completed the request or responded. I followed up on XXXX  and they never responded. I followed up on XXXX  and they responded with a response of, we are opening a case. They are charging me {$2000.00} extra each month because they are not fixing my issue. I simply can not afford this but have no options because I need to pay my mortgage so my family of 5 does not get foreclosed on and I have no power to fix this.
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hi there, Ive bought a XXXX XXXX XXXXrom XXXX XXXX XXXX in XXXX XXXX, CA. 
At the time of the purchase the sales person told me that I had to purchase a digital license plate and a protection coat from the car paint which they added to this car ( not true ) If I didnt comply with such a demand I would get a higher interest rate ( they gave me 9 % ) and would be more without adding those 2 extras services to the loan.

Im very frustrated because I got ripped off so badly by this dealership.
Consumer complaint received 2023-06-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

XX/XX/XXXX contacted XXXX XXXX after a threat of lawsuit over " NSF XXXX. '' I advised the organization that the debt is from XXXX and exceeds the statute of limitations for legal remedy in Texas. The agent advised that the statute of limitations for " independent debt '' is 20 years. I advised the agent that if I am sued over this, I will counter sue and win. The agent advised that they would be closing out my account.
Consumer complaint received 2023-06-29
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: FIRST NATIONAL BANK OF OMAHA (NV)

I AM A VICTIM OF IDENTITY THEFT I HAVE AND DID NOT RECIEVE ANY GOODS OR ATTEMPT TO OBTAIN ANY GOODS FROM THIS COMPANY. 

THE ACCOUNT WAS FNB OMAHA IT IS REPORTING ON MY CREDIT REPORT TWICE AS REPORTED LOS/STOLEN I HAVE NOT DID ANY BUSINESS WITH THIS INSTITUTION OPEN XX/XX/2022 BALANCE REPORTING {$5700.00}
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I have applied for the XXXX Credit card on my XXXX through the XXXX app and have been denied both times because my " identity can not be verified ''. I am using a California Real ID which has XXXX  HSA requirements to verify I am who I am. 
My Real ID has a PO box and Goldman Sachs will not accept a PO box but does not provide an additional physical address box when applying. I live in a rural area that doesn't not deliver to my physical address which is why all my IDs have PO boxes -- it is the only way I can receive my mail. 
I tried calling the XXXX Support and all they say is that a physical address is needed but my ID only has a PO box . Endless circle to nowhere. 
My only other Credit Card has an available limit of over 20K so I think I have sufficient good credit history ... 
Goldman Sachs and XXXX need to fix this problem.
Consumer complaint received 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services Association (OK)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (PA)

As of my XX/XX/XXXX statement, I was carrying the following balances listed in the " your finance charges '' section of my bill : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00} Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$1400.00} That month I made a payment of {$7000.00} on XX/XX/XXXX so that I could open up more credit, because I did another transfer taking advantage of the offer I still had for 0 % until XX/XX/XXXX. I did the transfer for {$5800.00} on XX/XX/XXXX during the same billing period as the {$7000.00} payment. 

Instead of applying the payment to the previous purchases balance I was carrying, PNC applied the payment to the balance I had just transferred 2 weeks prior leaving me with the following balances listed on the XX/XX/XXXX statement : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, so no portion of my payment was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$770.00}, so {$620.00} was applied to this balance Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) XXXX. This is the promotion I had just done during this billing period for {$5800.00}, so {$2900.00} was applied to this balance. 

I made a payment of {$190.00} on XX/XX/XXXX, thinking that my balance was under a promotional period and that I had time to continue trying to pay this down at 0 %. 

Then on my XX/XX/XXXX statement, my new balances were : Purchases ( 0 % Apr ending XX/XX/XXXX ) {$7000.00}, still no portion of any payments was applied to this balance at all. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$320.00}. This is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$2600.00} was applied to this balance. 

Then finally in XXXX, my balances were : Purchases {$7000.00} meaning {$21.00} was finally applied to this balance after the promo period ended and I was now charged {$100.00} in interest charges. 
Balance Transfer Promotion ( 0 % ending XX/XX/XXXX ) {$190.00}. Again, this is the promotion I had just done on XX/XX/XXXX for {$5800.00}, so another {$130.00} was applied to this balance. 

So I was charged {$290.00} balance transfer fee in XXXX only to have all my payments be applied to that transfer as well as a lower balance transfer ending more than 12 months after the purchase promotion that was not having payments applied to it at all. I know this organization is here to try to protect us, and I have never been more confused or felt more taken advantage of by a credit card company since my first card 19 years ago. Please consider helping me and others, since am sure they are doing the same process to other accounts.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently checked my credit report and noticed some inquiries that I did not authorize. 
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 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently checked my credit report and noticed some inquiries that I did not authorize. 
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 2019-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-06-29
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. (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 Account XXXX has violated my rights. Or 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 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im highly disappointed in Bank of America for falsely denying my claim. Ive had recently encountered my sister that I was roommating with stealing my personal information to steal money from me. She has filed my taxes for the last XXXX years, which gave her access to all personal information including social security number. When I filed for edd unemployment, I didnt receive my first card. When I received my second card, I called to activate it & bank of america informed me that there was a card active. I then asked for purchase information and they informed me that Theres been multiple XXXX transactions on the account. I was so confused but most of all scared. Money was being stolen from me. I was only staying with one person, this same person which was my sister has all of my identification info. She has created a XXXX account under my name, added the bank of america edd card to XXXX, to send thousands of dollars to other accounts as soon as my money hit my card. Then proceeded to also steal my middle class act refund debit card to make purchases. I called bank of america to dispute XXXX  transactions just for them to deny my claim. I will attach several screenshots of my sister going back on her word, I will also attach screenshots of her trying to get me to play as my dad to fraudulently pick up phones from XXXX XXXX XXXX since me and my dad shares the same name. She has also used a debit card of mines before and called the XXXX number to dispute transactions herself and left a statement to call representative stating that she has falsely used the debit card thinking that it was her dads, which is not true because in order for her to activate my card she needs to give my entire social security number. A total amount of {$14000.00} has been stolen from my through XXXX because of my sisters doing. Bank of america has done nothing to help me, in fact it only took them 8 days to justify that I have authorization for someone to use my card which is also false because I NEVER RECEIVED MY CARD. When I did receive my card, I did emergency XXXX XXXX transfers off of my card just so my money wouldnt not be stolen again.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I have been unable to access my equifax score for months and have been denied for credit several times because of this. I call equifax and they say somehow my DOB is incorrect in their system but they can not tell me how it was changed. I have sent in the information that they have requested twice and each time have been told they didn't recieve it. This is affecting my life and my ability to move forward in life.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-30
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. (GA)

I am the author of this complaint and I checked my credit report today and found some fraudulent, inaccurate, and incomplete information. I am asking that the CRA 's conduct a reasonable investigation and DELETE the fraudulent and inaccurate information. Please send all methods used to verify any accounts that are not deleted. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX / XXXX )
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have scheduled travel within the next 8 days and I wanted to open a credit card account with a promotional incentive on which to charge my travel expenses. I considered several cards and elected to choose Capital One. My foremost concern was the ability to receive the new card prior my travel upon approval of my application. In my due diligence... I decided to contact a Capital One Venture Rewards Credit Card Representative over the phone to confirm that I can get the card shipped to me on an expedited basis upon opening the new account. The representative told me that yes I could pay a {$16.00} fee to have the card expedited and shipped out within 3 days and I would have it in time. I said great and asked if he could take the application over the phone. He instructed me that I had to apply first online and get approved. I asked him how then would they know to expedite the card shipment and collect the fees? He said once the application is approved I can call back to this department at XXXX they would then look up the application and process the expedited delivery. PROBLEM : I completed the application, was approved and called back and after speaking with a representative and a supervisor I was told that they can not honor what I was told and that it would be 7-14 days before I got the card. 

This is a breach of their verbal agreement with me as the card is now useless for the purpose I intended. This application resulted in a Hard pull on my credit report a step I would have never taken with Capital One if I had known it would take 7-14 days to get the card. I would have simply searched for another creditor who could meet my objectives. Now I am still left with doing so and yet another hard pull on my credit. 
Capital One misrepresented their terms on credit card delivery to me, failed to deliver as promised and caused harm to my score and further caused me to unnecessarily open a new account with them. This is bait and switch. They should provide some restitution for this or deliver as promised. I last spoke with the supervisor ID # XXXX.
Consumer complaint received 2023-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX - XXXX - XX/XX/2023 - Subject : Urgent Request for Fast Investigation and Refund of {$130.00} Dear PayPal Customer Support, I am writing to urgently request your assistance in investigating and refunding the {$130.00} payment I sent to XXXX XXXX ( PayPal username XXXX ), who has proven to be a scammer. Despite multiple attempts to contact him through email and phone, he has become unresponsive and has blocked me on all platforms. This incident has left me defrauded and without the XXXX XXXX XXXX XXXX, named XXXX, that I was supposed to pick up after the payment. 

I have already taken the necessary precaution of activating PayPal 's payment protection at the time of the transaction. However, given the circumstances, waiting for three weeks to resolve this issue through the seller 's " amicable way '' seems impractical and unlikely to yield a positive outcome. It is evident that XXXX XXXX has intentionally deceived me, and his lack of communication and deliberate blocking of my attempts to reach him further support this conclusion. 

Considering these factors, I kindly request an immediate investigation into this matter and a prompt refund of the {$130.00} to my PayPal account. I believe that the evidence presented clearly demonstrates fraudulent activity on the part of the seller, and I trust that PayPal 's commitment to customer protection will be upheld in this case. 

Should PayPal fail to address this issue promptly and refund the funds in question, I will be left with no alternative but to contact XXXX XXXX my issuing credit card bank, and initiate a chargeback to retrieve the funds. However, I strongly believe that PayPal 's intervention and resolution would be the most efficient and desirable outcome for all parties involved. 

I have attached all relevant documentation, including screenshots of our communication attempts, transaction details, and any other evidence that may assist in the investigation. Please let me know if there is any additional information required from my end to expedite this process. 

Thank you for your immediate attention to this matter. I trust in PayPal 's commitment to customer satisfaction and look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX