davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because Equifax has refused to remove unauthorized hard inquiries from my report that been placed on my report by FRAUD. They removed 4 hard inquiries out of 8 ( eight ) that I disputed. I mailed letter to them as well with a copy of FTC report and all supportive documents. I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2023-06-13
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (GA)

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

After reviewing my credit profile on XX/XX/ I identified a discrepancy with account listed under Discover and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TX)

Re : Account XXXX Vehicle : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  XXXX from Hyundai Finance XXXX The amount financed was XXXX at 5.75 % APR, to be paid in 60 months starting on XX/XX/XXXX. Payments were in the amount of {$380.00} a month. To be clear, this was NOT a lease! On XX/XX/XXXX, the car was involved in an accident, which was a total loss. Our insurance determined not at fault and began the process of paying off Hyundai Finance. I made the XX/XX/XXXX, payment and the XX/XX/XXXX, payment waiting for the process to conclude. In XXXX, my insurance received a payoff amount of {$20000.00}. This amount was given before Hyundai Finance received our XX/XX/XXXX payment. On XX/XX/XXXX, I received a letter from Hyundai finance informing us that they have not received payment from our insurance for the total loss in the amount of {$19000.00}. My insurance XXXX  a check for {$20000.00} on XX/XX/XXXX, which was the amount originally quoted and didnt not include the payments I had made. Shortly after the title was released by Hyundai Finance to XXXX XXXX XXXX in XXXX, IN. To my surprise, on XX/XX/XXXX, I received an email letter from Hyundai Finance informing me that there was a remaining balance due of {$1900.00} and that the payoff amount was {$21000.00} and all they received was {$20000.00}. I called immediately to get information as to why I owed anything and for Hyundai Finance to explain the situation. How can this be possible when I only financed XXXX and on top of that I made two payments? Why did you release the title if there was a balance? Hyundai Finance does not have a logical explanation as to where this amount came from. In the meantime, Im told that Im now on collections and that this will be reflected on my credit report. I have called countless times, too many to remember, and every time no one knows where this balance came from, or Im told something different, and you escalate the situation to a manager who is supposed to call me in 2 or 3 days. The manager never calls, and when I call again, you have no record of the escalation, or my concerns, and the process starts over again. Im getting the run around and no answers. Im getting no resolution.
Consumer complaint received 2019-03-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I noticed 2 charges on charge card on XX/XX/XXXX that I did not recognize. The dates were for XX/XX/XXXX for {$82.00} and XX/XX/XXXX for {$89.00}. I called USAA Federal Savings Bank. They said on XX/XX/XXXX they would remove the charges. I may not hear anything for several months. On XX/XX/XXXX I received a email that they were working on it. On XX/XX/XXXX I received a email that the case was closed and on XX/XX/XXXX these 2 merchants received their money back. I was very angry because they didn't give me the opportunity to state my case. They told me I could and I did but it didn't matter they had been paid on the XX/XX/XXXX. I sent a XXXX folder with my documents to the Corporate Office and heard from XXXX XXXX XXXX XXXX   XXXX I phone number XXXX ext. XXXX. She said that the Dispute Claim Stands. Then I sent her documents from the Federal Trade Commission that states that if you receive a free Item. You can not be billed for another amount later. It is against the law. Today on the FTC web side that third partys can not bill. Law 15 U. S. C. # # XXXX These were numinous names for which I was told was something they didn't care about. I only dealt with one company. XXXX and XXXX of Florida was who I got the Free Bottles from. Other names were XXXX of CA, XXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-13
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. (NV)

According to my research about FCRA 605, Experian and XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/XXXX i contacted XXXX XXXX. out of XXXX XXXX to provide me with XXXX  dollar loan. they did send me XXXX that night and my flip phone indicated i had XXXX extra in my account. my available balance said i had XXXX plus i my small balance. the scammers said that money was theres and i had to return it to them if i tried to keep it, they would contact the local police dept. and have me arrested for attempted fraud charges. so i asked how to return it and they mentioned i had to buy gift cards. i knew buying gift cards was a flag, but the money was in my account and the bank said it was available. so i did it. long story short, the bank showed me three checks, XXXX and XXXX pay to the order of XXXX XXXX XXXX and was endorsed by XXXX XXXX, not my legal financial name. i told the bank that the person sending the bank those 3 checks were commiting fraud because those checks were not mine, nor endorsed by me. the bank said that didnt matter, ouch! in todays modern computer technolgy signature endorsements did not matter. double ouch, a new on me.
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (SC)

I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about 600 then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops 40+ points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Since XXXX XXXX XXXX I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : Experian, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) XXXX XXXX for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) XXXX XXXX {$880.00}, deleted by XXXX. Reported by Experian and XXXX under different account numbers and different company. Experian responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. Experian and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

XXXXXXXX XXXX as accurate for the last 3 months from XXXX and XXXX, but Experian reports as delinquent for 60 days still. I have reached out to both XXXX and Experian ( XXXX ). XXXX states that they have no control for removing " late payments '' and Experian has not responded.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed my money market account with Capital One on XX/XX/XXXX. They supposedly sent me a check which I never got. The amount is {$23000.00} I have had to call them no less than 5 times to beg them to send me my money and every time I get the run around. They finally sent me an affidavit they insisted I get notarized and emailed to them. I did that on Thursday XX/XX/XXXX and they STILL have not confirmed receipt and they're telling me I have to wait 95 days for them to send my money! First of all I do not trust them at all. I think they will hold on to these funds for one lame excuse after another. Secondly they now have {$23000.00} of MINE which I am not earning interest on and they are. Theyre holding my money hostage and I NEED my money. They could have simply put a stop payment on the first check but they refuse. Now I closed my account on XX/XX/XXXX and if they were going to make me wait 95 days the clock should have started ticking THEN, not NOW. I am angry and this is causing me immeasurable stress. PLEASE HELP!
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

I financed a XXXX XXXX XXXX XXXX through SANTANDER CONSUMER USAI have had several issues since I financed this vehicle with the dealership and SANTANDER CONSUMER USA. I have noticed a change in my APR without my authorization that was done by SANTANDER CONSUMER USA. I have requested the ORIGINAL LOAN APPLICATION and was told that it is against the companys policy to provide me with this document. I was told by XXXX employee ID XXXX that I have to get a court subpoena in order to obtain this document. I also was told a month ago that I needed to make 5 payments in order to be eligible for a deferment and when I called today XX/XX/XXXX to request a deferment XXXX employee ID # XXXX told me that I need to make XXXX payments in order to be eligible for a payment deferment. I asked for written proof of that policy and he told me that I need to get a court subpoena to obtain this document. He was very rude and spoke down on my intelligence of my ability to understand my contract.
Consumer complaint received 2023-06-12
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and multiple other XXXX accounts 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 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. 

I have tried numerous times to resolve this issue to no avail. XXXX has violated FCRA regulations
Consumer complaint received 2023-06-12
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. (NV)

To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.
Consumer complaint received 2023-06-12
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. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-12
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)

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX