davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Thaxton Investment Corporation (AL)

I hope this letter finds you well. I am writing to bring to your attention some inaccuracies in the information reported by your credit bureau, specifically regarding my accounts with XXXX, XXXX, and XXXX. 

As per my records, The date opened wrong, date last active, payment history, and date last reported are inaccurate across all three bureaus. It is crucial to report the most up-to-date and accurate information to ensure the integrity of my credit profile. 

Moreover, I would like to bring to your attention that the reported payment history is reflecting a charge-off status for each month. However, this is inaccurate as these accounts are collection accounts, not charge-offs. As per the Fair Credit Reporting Act ( FCRA ) guidelines, it is essential that the information reported on my credit report is correct and reflects the accurate status of the accounts. 

I want to emphasize that a collection account balance can not be reported as {$0.00}. I kindly request that you rectify these inaccuracies and report the correct information in a timely manner. I urge you to adhere to the guidelines outlined in the 15 U.S. Code 1681s2, which states that furnishers of information to consumer reporting agencies must provide accurate information and refrain from reporting inaccurate information. 

To facilitate your investigation, I am enclosing a copy of my credit report from your credit bureau. It highlights the discrepancies mentioned above and includes your company 's information showing the inaccuracies. I trust that this will assist you in rectifying the errors promptly.

It is essential to rectify these inaccuracies, as they may give the impression of fraudulent activities to lenders when they view my credit profile. I implore you to take the necessary steps to correct the information promptly and ensure compliance with the law. 

I appreciate your attention to this matter and your prompt action in rectifying these inaccuracies. Please provide me with written confirmation once the necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I attempted using my debit card to buy coffee at XXXX XXXXXXXX XXXX when my card declined. I went to attempt to login to my account to see what was up and immediately got an error logging in advising me to contact the fraud department as my account may have been compromised. I contacted the fraud department and was told my account would be closed and I would not be given a reason as to why it was closed. I was upset and attempted to plead with customer service to keep my account as I am a XXXX and the transactions on my account were valid and there had been no suspicious activity. The account in fact had a daily average of XXXX in there at all times. I was confused and went to multiple branches provided all my identity documents and employment information along with the checks deposited just to make sure that from my end everything was normal but the bank refused to change their stance of keeping my account open and had informed me I can not ever open a Chase account. I informed them that such a drastic response at least warranted a reason for this happening and I was declined that. I did not want to accept this fate but I had no choice so I had asked them to give me my funds. I was instructed that I can not withdraw the funds as the account is under review for closure. This is after they instructed me it is closed. I was told I can not take my money and go elsewhere until that review is completed which can take until XX/XX/XXXX. I am a XXXX  who has to pay rent and find it not only unacceptable that I can not withdraw my funds after my account was closed and I can not be provided a valid reason as to why this is happening to me. I understand the security measures the bank has to take to ensure legit transactions but when a customer comes in to provide all the information needed & they still get the same disgusting resolution it is upsetting. I am not the only one confused at this as so have many branch bank employees that I have spoken with who attempted to help me as well but Chase has not only closed my account but held me hostage to receive my funds with rent being due at the end of the month. I am incredibly frustrated and have attempted to cold contact as many bank executives with Chase but to no avail.
Consumer complaint received 2023-06-29
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 (CA)

I had a credit card with Capital one. I authorized capital one to take XXXX XXXX from my checking in XXXX. After paying my credit card in full and closing my account with capital one, I noticed they are still taking {$100.00}. Each month from my checking. I tried contacting them and stopping them from taking money from my account but they did not. I had to close my checking account so they stop taking money. 14 months and {$1400.00} was taken. I further investigate prior 2 years on my statement with XXXX AND CAPITAL ONE. Found that the XXXX  XXXX was not applied to my credit card and had caused late fees and interest charges added to my credit card eve though capital one was taking money out of my checking account. From XXXX capital one fraudulently took money out of my checking account in access of {$4000.00} - I have tried to get my money back from them for 2 years. XXXX provided documentation with transaction ID # to capital one to prove capital one has taken money from my checking account. Still no resolution. They open a case and close it, asking me to resubmit document. I have proof that received all document via USPS- I would like capital one to pay back the money they took from checking as well as reversing all late charges and finance charges that I paid them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 an 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Hi it's me again. So when looking at all the documents you sent me when you settled my judgement. I have set down went over them and yalls math does not math. So u have XXXX percent interest rate on a XXXX dollar car. Ok cool so that would be XXXX. However my finance charges were XXXX which is actually closer to XXXX percent which would give you the finance charge of XXXX. That's very deceptive. If I had of made all my payments I would have paid XXXX not including the XXXX I put down. For a total of XXXX for a 2015 XXXX. So if you go by what the interest rate says of 22.99 % the total would have been XXXX plus the XXXX down it would have been XXXX. Which it XXXX dollars less than what yall charged. I should hope that you all eventually quit screwing people. It's not fair for you to hide hidden interest rates. I will provide the copy of what u sent. Also when I would make payments you all would credit the XXXX dollars then reverse the credit for XXXX and add on XXXX to the balance with every payment. This company is shady and should change the way you do things. You prey on people that don't have a choice at the time. Then come after them when you know your hiding fees. It's not right. No I'm not just statified with you canceling the judgement against me because, I was taken advantage of and it's clear in black and white in the paper work. Just a little math and research goes a long way. At the time of the loan I wasn't in a position to math the whole equation out. I was a single mom doing the best I could with XXXX babies to make ends meet and needed away to get back and forth to work to provide for them. Please I beg you to stop preying on people. Please all pages included in the packet. 
Because I would have never even known you were literally screwing me had you not sent that response.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MA)

I have an Apple Card Goldman Sachs card and have never had issues up until recently. In XX/XX/2023, Goldman Sachs/Apple Card restricted my account without any explanation or reason. When I contacted them I informed them that I was a victim of fraud in mid XX/XX/2023 where someone got a hold of my social security number, Apple Card number, XXXX  XXXX bank account number and other personal information. The fraudster tried to open a XXXX XXXX XXXXXXXX checking account but was unable to and XXXX informed me of this XX/XX/2023. I subsequently filed a fraud alert with all three credit report agencies, XXXX, XXXX, XXXX and XXXX. I also filed a police report on XX/XX/2023 and provided them with this information and the police number. I have contacted them on numerous occasions and have been told that my account would be unrestricted within a few days but it has no been nearly a mont since its been restricted. I am not given any explanation as to why, or a time frame. I am told I can also not call this department and that they only make outbound calls. This is incredibly frustrating as I have had the AppleCard for years and have never had issues. Please help me resolve this.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (GA)

Good afternoon, I opened a Wise account so that I could use my money safely during my trip to the XXXX, where I am at this moment. 
I lost my Wise debit card yesterday around XXXX. After looking for it, I decided to report the lost of the card on wise.com. 
Everthing was fine with my balance up until I loggind into my Wise account to report the lost of my debit card. 
As soon as I logged in and start reporting the loss of my card I noticed that my account balance was below what it should have been. In less than 2 minutes, my balance dropped even more like someone was stolen my money. I found that to be very strange so opened my email to see if I had received any notifications related to fraudulent transactions, which showed me several notifications of new transactions which was happening on that exactly moment outside the XXXX. Including transactions in the XXXX, XXXX and XXXX. 
My account was definitely hacked and my money got unfortunatly stolen. 
I did report what happend to the Wise costumer service but they did not give me any reassurance that I would get my money back. 
What is so frustrated was the fact that their system could notice multiples transactions coming from multiples parts os the world but it did not blocked my account for safety purpose.
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: EQUIFAX, INC. (TX)

I sent Equifax information on two negative items on my credit file that is inaccurate. The two items were Bankruptcy. They sent me a new credit file stating that the info was verified through XXXX. I had disputed these online on the Equifax website with them before and they said it was verified. The information I sent Equifax was a copy of my credit file I got from them and a copy of my documents from the pacer system online. I highlighted the errors for them. Once I got a response from them stating the info was verified again, I called them. On the phone, the rep stated that because the documents do not have the court seal, they can not verify the info. I told him that the info on my credit file that Equifax got from XXXX had no court seal either. I also sent a letter stating that according to the Fair Credit Act that inaccuracies found must be deleted when asked. The rep kept asking what was the inaccurate info and I kept telling him it is all in the info I sent to Equifax, in the letter. Since there were multiple things wrong I gave him one and that was the address. He then stated that they do not report an address under the Bankruptcy on my report. He tried to twist the info like I was talking about an old address that I used to live at but I corrected him on that. I told him that I have an old report from XXXX and a new one from XX/XX/2023 and they both have addresses under the bankruptcy for the court it was held at, and the info was wrong. He wanted to go around in circles but I just politely told him that I was getting off the call and I would contact outside sources for help with this matter. It's sad that my XXXX # was in the data breach that they had now I have to fight them on this.
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. (NY)

The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (DC)

United States vs Santander Consumer USA My complaint is in reference to the class action lawsuit that was filed by the attorney general and several states, and which I was a part of the lawsuit and was awarded a check however, Santander made an agreement to remove all bad marks from Credit in reference to former consumers as it follows they are continuously holding me liable for a bad loan that was in litigation and they were found guilty of predatory loans to consumers who were at risk for default or repossession. I have contacted the attorney general in the district of Columbia and I was responded to. They also reached out to Santander to no avail they have not remove this remark from my credit report. And its been charged off 1099 IRS
Consumer complaint received 2020-03-04
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. ()

I co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income XXXX work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account NameXXXX XXXX Account Number : 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.
Consumer complaint received 2023-06-30
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. (FL)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-30
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)

THERE ARE 2 FRAUDULENT ACCOUNTS UNDER MY NAME, I DIDN'T AUTHORIZE THESE ACCOUNTS TO BE OPENED, I DIDN'T APPY FOR THEM. I HAVE TRIED TO CONTACT THE CREDITORS, THE BREAUS BUT I CAN'T SEEM TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. BOTH OF THE ACCOUNTS WERE OPENED BACK IN 2021, WHEN I WAS IN THE HOSPITAL. THE CHARGES ARE THESE ACCOUNTS ARE NOT MINE, THESE ACCOUNTS ARE NOT MINE, I DON'T KNOW WHO ELSE TO GO TO TO GET THESE ACCOUNTS REMOVED ONCE AND FOR ALL.
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: NCC Business Services, Inc. (TX)

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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.