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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

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.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

This is a XXXX Credit card that is through SYNCHRONY Bank. 

There is a UNAUTHORIZED monthly charge of XXXX PER MONTH on my account. 

They CLAIM I check marked a box on my original ONLINE application for the card for " credit protection ''. 

Not only did I NOT do this I also never INITIALIZED the charge nor did I ever agree to it verbally. 

They have refused to remove all of the XXXX PER MONTH charges in which I NEVER Authorized them to do nor give my card # to some outside company.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (TX)

ALL i did was have a change of address and without warning or ANY type of communication from usbank, they decide to freeze my account, block my card and lock all access for me to get any money. They asked for address verification and i gave it to them, followed up, they confirmed they had everything they needed and that they would be sending out a new card for me to activate. they did but STILL locked out of my account and havent been able to access my money. Ive called and called and called and they just keep putting me through to hold for a supervisor or a certain department. MANY times ive been on hold for 3 hours just to get hung up or they tell me to send in the information AGAIN and I have at least 6-7 times already. i dont know what else to do. This has been going on now for almost 3 months
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (CA)

I got the possible loan in XXXX, My 4th payment was suppose to be for my first, Im not sure why it got flipped, I mean it clearly should have paid the first payment first. Then there wouldnt be a late payment at all based on the terms and conditions and I was unable to individually make the payment as they were past due but before the 29 days grace period via terms and conditions so when the transactions went through they were random but I dont believe this is lawfully acceptable based on the cfpb to report a negative impact due to faulty system random selective payment processing. The first payment would fail even when I had sufficient funds in my account and then it went through and paid the last one. Please explain how Im at fault for your systems randomized ach transactions. With further assistance I have submitted a complaint to the cfpb based on your finding and I uphold my right to any unlawful actions taking on my credit report. All my payments were in good standing via possibles terms and conditions somehow my payments got switched my first and last and now my first payments reports on my credit report as late even when I had sufficient funds in my account. UNFAIR. Even when trying to reschedule it would reschedule not within the loan agreement and I was unable to do anything.
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 status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

I have written numerous letters including, an identity theft report over the past two years and still XXXX is reporting incorrect information on my consumer report. I have attached my consumer reports for SANTANDER CONSUMER USA for XXXX, XXXX, XXXX, and XXXX. On each report the year XXXX reports different things each year and each year the terms change. Each year XXXX continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. 
The generated report for XXXX XXXX no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}. 
The generated report for XXXX XXXX charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}. 
The generated report for XXXX XXXX no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}. 
The generated report for XXXX XXXX no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}. 
As of now there are XXXX negative charge off on this XXXX account and a repossession in XXXX which none of is true.
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. (PA)

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

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Summary : XXXX denied my TEPSLF application based on a requirement of which I was never informed. 

XX/XX/XXXX : I apply for TEPSLF XX/XX/XXXX : I am informed via e-mail that I am being considered for TEPSLF. 

This is the last communication I receive until XX/XX/XXXX. I learned from the TEPSLF web page that anyone who applied in XXXX would be informed by XX/XX/XXXX. 

I was not informed of my status at all. 

On XX/XX/XXXX I e-mailed to inquire about the status of my application. 

On XX/XX/XXXX, after hearing absolutely nothing, I contacted XXXX by telephone. 

The poor young man I talked to, XXXX, had the misfortune of telling me that I had been rejected, because ONLY the payments I made since my XXXX loan consolidation counted toward TEPSLF. At no point in the process was I informed that consolidation played a factor here. I asked to speak to a manager, and was put on hold for a while, eventually transferred to XXXX. XXXX talked to me like a child, explaining again that none of the payments I made before XXXX would count. I interrupted her to say that the problem was that no one had informed me of this and that I wanted information on how to appeal. XXXX promised me that this information would be sent. 

Instead I received an automated e-mail almost immediately re-iterating my denial on the grounds that were never explained to me in the first place. 

Repeated e-mail requests for the appeal process procedures this week have led to nothing but being told I needed to call in. 

I have also filed a complaint with the Federal Student Loan Ombudsman Group. I  don't mind paying my loans. In fact, I'm paid ahead until XX/XX/XXXX, that's how fiscally responsible I am. But don't tell me you're going to reward my public service, then keep moving the goal posts and treat me like an infant when I stand up for myself.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I received a claim from XXXX XXXX XXXX for the collection of debt from Synchrony Bank/TJX credit card for bill from XX/XX/2018, for {$290.00}. 
I do have a TJ Maxx credit card but not this number.

I called TJ Maxx and they said my balance is zero. I pay my card every month. 
I called Synchrony Bank and they said the account was sold to XXXX XXXX. They said I could file a dispute with them and file a claim to the FTC. 
I pay my TJMaxx bill every month on time. This bill for over 2 years ago and this is the first time I have ever seen it. I believe this to be credit card fraud.
Consumer complaint received 2020-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I have been disputing with equifax for months now and have sent in requested information for incorrect items on my credit report they have yet to verify the accounts and send me proof of verification for XXXX, XXXX, and XXXX XXXX. I need to have these incorrect items removed from my account and I am willing to take further actions. Everytime I write equifax they send the same generic response.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (FL)

This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

On XXXX of XXXX A late payment showed on 4 of my Nelnet student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX to remove late payment to no avail.
Consumer complaint received 2024-11-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CO)

I got an alert today on my XXXX and XXXX accounts of a hard inquiry. It seems to be at Best Buy and XXXX  is XXXX XXXX, South Dakota. I live in Colorado and have not opened any credit cards recently. I believe it is fraud. I can not get it contact with either business via phone and talk to a person on the matter.
Consumer complaint received 2018-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (WI)

Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. 
The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit  card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.
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: EQUIFAX, INC. (PA)

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

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC