davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-24
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. (GA)

The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my XXXX and Transunion Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXX Bank, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX., XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio ) 3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX  Date : XX/XX/XXXX ( Auto Financing ) 10 - XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXXc Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX, NA Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX  Report Unauthorized Inquires : 1 - XXXX  Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.
Consumer complaint received 2018-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

I dont know why XXXX XXXX XXXX XXXX is stating that i owe them XXXX for the vehicle? I returned them this car years ago. It was never repoed. I could afford the car so i gave it back to the bank. I called them and had the vehicle picked up by there boss.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NE)

I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX, dba CareCredit. I originally filed a complaint with XXXX XXXX in XX/XX/2017  based upon what I found online as the responsible bank for XXXX XXXX. In spite of a number of contacts, they did not respond until XX/XX/2017 after I filed a CFPB complaint. I wrote XXXX XXXX of XX/XX/XXXX on XX/XX/2017 acknowledging that they had finally responded to my complaint and that I would be making payments after I received my Social Security ( SS ) check on or about the fourth Wednesday of the month as SS advised me. XXXX called in early XXXX acknowledging receipt of my letter. 

Subsequently, I mailed XX/XX/XXXX a {$200.00} payment in XXXX and a {$200.00} payment in XXXX following receipt of my SS check. However, XX/XX/XXXX has continue to harass me with multiple phone calls and emails on almost a daily basis since.
Consumer complaint received 2018-02-24
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. (IL)

Equifax and this company " XXXX XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with Equifax, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information Equifax and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO ADDRESS/UNABLE TO FORWARD. Therefore, it's no way Equifax had properly did their job.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (CO)

I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX  status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received a overnight unsigned letter from Bank of America informing me that they had " removed '' {$4500.00} from my regular savings account as the results of a CD that I had made a loan to a business on that closed and the bank received a " Payment Demand Notice '' from the Texas State Comptrollers office. The bank incorrectly stated that the account balance was transferred to my personal savings account. When in fact the loan was not accepted. The {$4500.00}. from a {$10000.00} CD was rejected and replaced by a {$5000.00}. CD secured by the Trustee/ Owner of the business early, in XX/XX/XXXX. Copy attached. Further, the {$5000.00} CD was to the business. A Conduit bond was canceled. And a new bond issued for {$5000.00}. In XXXX, XXXX The certificate of deposit was released with a statement that its was not needed. It qualified for exemption. Copy attached. The assignment loan of {$4500.00}, shows the first two copies submitted neither signed by Comptrollers office. Because they were not accepted at that time. On XX/XX/XXXX, I received a Next Day delivery from Bank of America with a back dated signed of copy of the last version of the original CD signed by a XXXX XXXX. In writing at the top of the form, and the faxed statement at the very top confirms this. I informed XXXX XXXX that I had gotten the document reviews by an attorney for consultation. His recommendation, ( because I could not afford to hire an attorney ). Was to first address the problem directly to the Comptrollers office. I did. On XX/XX/XXXX. I received an email from XXXX XXXX, Tax Hearing Attorney for the Comptrollers office stating the office was correct in this actions, and the file closed. Both the Comptrollers office, and Bank of America have used manipulation, and abuse of position and authority to take funds from my person to secure funds for a closed business. The Comptrollers office manipulated part of my account in in their " Demand Letter ''. Copy attached. 
Please review and reply. 
Thank you, XXXX XXXX
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I filed a dispute with Equifax to delete all of my incorrect address information and I also asked regarding debt validation on some accounts on my credit report. I received dispute paperwork from Equifax that is dated XX/XX/XXXX under report # XXXX. Per dispute results the following addresses were deleted on XX/XX/XXXX and reinserted and reaged and put back on my credit report when I pulled my report on XX/XX/XXXX. This is a clear violation of the fair credit reporting act with furnishing inaccurate information. I want the following addresses removed immediately as they do not belong on my report after they have been deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/18 I went to make an ATM deposit. I followed procedure to enter pin and steps to deposit. I deposited {$400.00} into machine. My card was returned, but the money remained in the machine. I IMMEDIATELY called the Customer Service/ Corporate office to ALERT of machine issue, find status of deposit ( SINCE I DID NOT RECEIVE A RECEIPT ), time for which deposit would be posted to account. The c/s representative ASSURED me it would be resolved and deposited once account was noted of issue/visit the bank to review the deposit camera. 

So I decided to wait of it would or at my available time, XX/XX/18, I visited that location. The loan officer advised me the issue would be resolve in 7-10 business days, yet the money is in the hands of TD BANK at this point and NOT credited to my account. This is unaccepted as I am now facing late fees associated w/ the delay of the deposit of funds!!! I need the late fee that I will have due to the delay of standard to have CASH balances deposited. The balance was to be posted the following business day, yet I " should be clear to spend cash in 7-10 business days '', which is XX/XX/18 -- -- I need an apology and a speedy availability of {$400.00} balance.
Consumer complaint received 2018-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

On XX/XX/2016 I transferred money out of a joint account with my husband since he was stealing my inheritance in large chunks. I opened an account online in my name along with a friend to meet insurance issues ( two people on the account in case something happened to me. On XX/XX/2016 my husband went into Fifth Third Bank XXXX, TN and as he leaned over the teller desk some, the teller turned her screen to let him view my account, MY ACCOUNT not his. I was recovering from XXXX XXXX at the time. In a few days I moved the money back to our joint account but that's not the issue. When I was well enough, I wrote checks to other banks to deplete funds there but first I gave them three weeks to simply open a {$1000.00} savings account for my friends first grandson as a gesture of making things right for both of us. They refused so I moved all money. This has ended in a divorce between my husband and I and him taking {$440000.00} from me. I first reported this to the FDIC and they suggested bringing it here. FDIC however reported it to the bank and I got a letter stating that I was in the bank with my husband which was a complete fabrication unless he had another woman with him and I don't think so. I responded to them that I was not in the bank. I have yet to hear anymore. I expect them to reimburse my {$440000.00} in lieu of a lawsuit. In the meantime for the divorce proceedings, I am in need of statements from my accounts and it's like pulling teeth. Fifth Third Bank breached my privacy and I want things made whole for me or I will seek litigation. XXXX XXXX is the branch manager and greets me with discourtesy when I enter the bank. XXXX XXXX in the office of the president has been getting me copies however it has taken 4 or 5 batches to get everything. The least they should do is get me statements without a hassle. Bottom line, Fifth Third Bank breached my privacy causing me a divorce and {$440000.00} plus now {$20000.00} so far in legal bills. Short of a lawsuit, they need to make {$500000.00} up to me now without any more stalling or deceitful acts. 
Sincerely, XXXX XXXX XXXX I will call for their charter to be revoked in a lawsuit and this manager and the teller to lose their jobs. They have caused extreme and unusual stress in my life. 
XXXX
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fenton & McGarvey Law Firm, P.S.C. (TN)

Never received correspondence from XXXX, XXXX XXXX? ( Thats what I recently learned it was called ), didnt receive correspondence from XXXX XXXX. I received no notice of anything until all of a sudden I received a letter from Fenton law firm asking for payments, I sent in a little here and there, not even two weeks later I receive a letter in the mail that I have a court date in XXXX and am being sued. I called Fenton to straighten it out and figure it out outside of court and made a {$50.00} payment on XX/XX/2017 because they said I had to to avoid going to court. I still have not received any sort of any information on this balance and why its there and where it came from and I dont understand why I had no option to dispute the debt, yet when it was time to send me letters from attorneys to sue, THATS when I began to receive correspondence.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (TN)

I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As XXXX leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
Consumer complaint received 2018-02-24
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. (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX of XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. 
These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, at approximately XXXX XXXX, I received a phone call from a man named XXXX XXXX, a debt collection agency, stating they attempted to notify me of an outstanding balance and that I had a " Failure to appear in court. '' They " attempted '' to give me court papers and called me, stating they would attempt again. These people had all my personal information ( SS #, home address, phone number ). They said I owed {$1600.00} from XXXX XXXX XXXX XXXX in XX/XX/XXXX. If I did not accept a settlement, they threatened to sue me, garnish my wages, or take the money from my tax refund. Out of fear, I obliged their request. They stated I had an hour to complete the settlement offer documentation, or they would charge me the original amount plus legal fees. 

After this incident, I contacted the bank and relayed the situation. The representative advised me to get a credit annual report, dispute the claim, and contact CFPB. After further investigation, the credit card XXXX stated was not on my annual report. CFBP and bank customer service informed me that the agency used illegal and threatening tactics.
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NY)

XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.