davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (IL)

I have financed the car from XXXX XXXX, but they went out of business or file for bankruptcy XXXX months later a company call XXXX XXXX  was contacting me Saying that I owed it with them, I explained to the lady I dont know who you are and I dont owe you that I never authorize anyone to my personal information and The debt for XXXX XXXX says charged off so its no way they can charge me XXXX times and also I requested a 1099 form from this debt
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American First Finance, Inc. (NY)

As of XX/XX/29 this account American first finance an XXXX is reporting as a auto loan Ive disputed this account with the credit bureaus and company repeatedly with there investigation this account remains unchanged and verified with the company after being disputed I HAVE NEVER had a auto loan ever! And explain this to the company and they refused to removed this account for falsely reporting inaccurate information
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached Docs stating late payments on accounts that I've never been late on. Remove these late payments from my consumer report as this a violaton of my consumer rights under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Also Under 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. The law is very clear as it pertains to my consumer rights.
Consumer complaint received 2023-04-29
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: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX Balance {$8500.00} Balance updated XX/XX/XXXX SANTANDER CONSUMER USA Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting 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. (MD)

I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my XXXX report. Address listed for the credit union on my report is XXXX XXXX XXXX XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact XXXX. I started a dispute with XXXX but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my XXXX report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per XXXX, I sent an e-mail to XXXX XXXX asking them to send a letter to XXXX to ask the inquiry be removed from my account as it was not requested by me. XXXX told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on Experian Credit report. Address listed for this Credit Union is XXXX XXXX XXXX  XXXX  XXXX XXXX, TXXXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv Experian credit report before until just now when I noticed the other two inquiries. When trying to access Experian for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

A person deposited {$200.00} dollars into my account via Quickpay service of Chase bank. ( Note : You do not have to confirm a payment from a person, funds show up in account ) * {$100.00} was the agreed upon from a person who bought an item from me online, via an online website service like XXXX. * The person sending it was a fraud, on XXXX XXXX, 2017. They were using someones account to pay for an item purchased from me. <P/>Chase bank freezes my account, b/c of an escalated claims case. <P/>So what happens here, is Chase determines to stop payment from all my autopayments from various credit cards. <P/>Various companies are going to take advantage of me because of the banks decision. -- -- -- -- -- My XXXX Card, i turned off autopayment.. and my grandmother called in to pay for the bill. What ends up happening, is they said " it was too late that you turned off your autopayment, b/c we billed the bank already.. '' Plus : " your grandmother must have gave us the wrong number of her bank account '' So they hit me twice, with {$27.00} dollar fees. {$54.00} in total. <P/>My gas card, I paid after they froze the account. Cumberland farms now wants {$25.00} fee, and the original cost of the gas. They only gave me a few days to pay it, or it goes to an agency they said. I have a payment pending, which is my electric bill, recently paid. I am a little worried they might not get their money. -- -- -- -- -- -- Being a customer of Chase was convenient, and it was working out fine with them. But they overabuse their power.. and I did not do anything illegal. It could have been anyone, as long as their account is opened to receive direct deposits. If someone just puts money into your account, and then disputes it later. They have the right to freeze your account. That power should be taken away from them. <P/>I am a poor man, on XXXX XXXX XXXX I have a very low income, and I am in debt. These fees, and the Banks decision to freeze my account, pending a claims case, was a harming emotional experience I never want to go through again. I had to work around the clock to try to fix this.. but they still win.
Consumer complaint received 2023-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received a call from XXXX XXXX of XXXX XXXX XXXX from XXXX, FL. I fell for their claim of getting me at least {$9600.00} - XXXX for investing {$2300.00}. He said they would resell my 6 Bonus Weeks from XXXX XXXX. I only recevied couple of their so called dubious offers after 60 days of calling them 3-4 times. They just pick random resorts that don't have vacancy until the end of year. Now they are not returning the amount of {$2300.00} that I paid upfornt. The capital one credict card dispute center is not willing to help me even after I sent them all the documents that they requested. I had been working with them for the past 2 months but to no avail.

a ) The agreement says that they will be advertising the XXXX XXXX XXXX XXXX at XXXX, XXXX as per the agreement but they sent me request from fictitious renters for other resorts. Also, I received the offer after 60 days of calling them 3-4 times. Hence, I havent received the service that they promised in the contract.

b ) There are others who are victims of this scam. The comments ( XXXX XXXX XXXX XXXX XXXX ) from other victims of XXXX XXXX XXXXXXXX corroborate my conclusion that they scam people by claiming to give high return ( $ XXXX {$10000.00} ) on low investment ( {$2300.00} ). All victims were scammed during the same time frame ( XX/XX/2022 ) as me. Many others are in the process of disputing it with their credit card companies. 
c ) I could never contact XXXX XXXX after the first phone call in spite of multiple attempts. There is no signature from him on the XXXX XXXX agreement though his name appears there. I am sure that the telemarketers use phony names. One of the other victims also was scammed by XXXX XXXX. 
d ) The business address ( XXXX, XXXX XXXX XXXX, XXXX XXXX, FL ) on the agreement is different from that on the email ( XXXX XXXX XXXX XXXX, FL ) that I have been getting. Thus, pointing to a scam operation.

e ) The agreement stated that they would be advertising the XXXX XXXX XXXX XXXX through XXXX, XXXX, XXXXXXXX XXXX etc. However, I havent received any evidence of the XXXX resort being advertised anywhere except verbally on phone for convincing me to sign the agreement. This is another instance of no service being provided as per the agreement.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

A checking account was fraudulently opened online with Bank of America using my contact info. I spoke with BofA and they weren't able to share any details of who opened the account or how. I've had my credit frozen with all three credit bureaus for several years. I swore never to do business with BofA again after they wouldn't give me my car title even after my car loan was paid off months earlier. It's not clear if this account was created by BofA or an actual 3rd party pretending to be me. BofA needs to have higher standards for verifying applicants before they open accounts under their name. This is fraud and is indicative of reckless business practices by BofA.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-04-29
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: CITIBANK, N.A. (CA)

I have the Citi Prestige card from Citi Bank which has a {$490.00} and as part of the benefits allow for two " fourth night free '' hotel bookings each year. I have tried to use this benefit over the last few weeks only to be told that I do not have this benefit available to me despite that it is a benefit of this card in the terms and conditions of the card member agreement. I have had a few hours of calls with Citi and finally had a representative admit to me that there is a known system issue preventing cardmembers from using this benefit and there is no known resolution date and they may or may not resolve it this year even. I attempted to place my annual fee of {$490.00} in dispute as a " problem with goods or services '' while this issue was resolved but Citi indicates they are exempt from disputing their won charges. I don't understand how Citi can charge me the annual fee while knowingly not providing the full benefits of the card. While I understand technical issues happen I should have some protections should this issue not be resolved ; and Citi has indicated that I only have 30 days from the date of the annual fee billing after which time I will have no entitlement to any refund of my annual fee ( even if they don't resolve the benefit issue ). 

This clearly appears to be a fraudulent and deceptive business practice and I would appreciate a response from Citi bank corporate as to this issue.
Consumer complaint received 2024-07-30
Product: Credit reporting 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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-29
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. (TX)

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX OF XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (NC)

Hello, My name is XXXX XXXX. 

I used XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received at home a notification from Wakefield and Associtates LLC, which is dept collector company saying that had services rendered at XXXX XXXX XXXX and they were engaged to collect {$180.00} that I owe them. 
On XX/XX/XXXX, when I used XXXX XXXX XXXX XXXX, I have shared my health insurance with them and they never mentioned that I have something to pay. As well on my online acocunt that I have with them there was notthing to pay for this services. However the amount is insignificant and it would have not been an issued if they would have been informed me about it. 
I never had a delay in my payments and this is really something that I would have never expected. 
Moreover is less than a month since the time I used the serives until the time I received a notice at home about this debt. I found this as unusual and not right. 

I need to know what are the next steps insolving this issue. I don't want to have credit report issues due to this situation, out of my control. 
Thank you, XXXX
Consumer complaint received 2023-04-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.