davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (FL)

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.

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 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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 follwoing acounts are listed on my credit report as inquiries and I have no idea why or how they got access to my information. Please advise the credit bureau to DELETE. I have tried to call them and email them and they said I have to contact you all. These are fraudlent inquries and they are affecting my score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On XX/XX/XXXX I took out an auto loan with Credit Acceptance Corp. Sadly I had to voluntarily surrender this vehicle because the condition of the vehicle and the necessary repairs far outweighed the value and monies owed on the vehicle. In XX/XX/XXXX the same subprime lender approved me for the purchase of a far superior vehicle. I submitted to the dealership the application as well as any and all requested documentation. All was going well until my sons college requested a tax account summary from the IRS from me. I needed to get this online immediately. In order to do this you needed a car loan or mortgage. I called Credit Acceptance for my account number and was told I didnt have an account for the newest car I had been making payments on. I finally found someone with a brain and she looked up my account by the VIN number. Turns out the second account was opened up with the wrong social security number. So I have the negative account being reported that i owe money after a voluntary surrender but the new loan with over a year of perfect payment does not show up. If you look up the credit reports under the fictitious social security number you will find a rather nice credit score and the positive account listed. I've contacted them constantly. They want me to just blindly fax my social security card to a generic number going to no ones attention. This scares me. They even deny reporting the second account to the credit bureaus under the wrong number. I filed a complaint with the XXXX and received a response from the supposed legal department but the number she gives me to call her is a number where you can not speak to anyone
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KS)

I have been contacted by a company by the name resurgent about a web bank account ending in XXXX as well as a XXXX  XXXX account ending in XXXX which are not accounts i have opened. I have tried to dispute them via credit karma twice and it has went no where. i believe these to be from fraud. and would like them both removed.
Consumer complaint received 2023-06-28
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. (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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit agencies are listing Erroneous names/Addresses on my consumer credit report. XX/XX/2023, I disputed those inaccuracies but nothing has been changed. They are still listed.
Consumer complaint received 2023-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIRD AND FINAL NOTICE BEFORE LAWSUIT IS FILED!!! 

Accounts : # XXXX, # XXXX, # XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 

You are sending correspondence to my home calling and harrassing me repeatedly about debt that is mine, and which you also don't have permission to collect on. All notices I've have sent have been ignored and is causing me grave emotional stress. I will be seeking {$1000.00} per each FRCA violation.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

To whom it may concern, In XXXX I was a victim of id Theft, I fixed it at the time that happened and I put a freeze in my credit report, back in XXXX something came up and I did a consultation with a Lawyer who after suggested to file for XXXX XXXX bankruptcy, I filled all the papers she sent but 2 days before paying her she decided to drop the case, so I stopped paying my bills for 2 months, While I was working with the Lawyer, she recommended another one, but after talking to him, I decided not to pursue. and now I'm in a bigger trouble and making it impossible to go back on track, so some of my credit cards I got an agreement to remove late fees and personal loans, but XXXX card closed my account, minimum payment now {$390.00}, But the worst of all Citi Advantage closed my account too making the minimum payment {$680.00}, after 20 years as a customer with Citi, only having this account for 6 months, never late, same with XXXX. I have been trying to communicate over the phone with Citi and its, impossible nobody has access to the account not even myself. Every time I call they cant see the account, They transfer me to collections, same thing, they transfer me to recovery dept, call drops and I have to start over again.Im just trying to go back on track.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Revco Management, LLC (NY)

revco solutions sent me a " pay 80 % of the balance '' amount regarding XXXX using reference XXXX XXXX without providing any proof of debt just a letter with the amount due. 
- requesting a letter of debt validation including any and all statements relating to any services rendered as deemed in the documentation that was provided. 
- called many times and no one picked up the phone - requesting proof of all documents perceving to the implications of the actions received by the end recipient or mailee to which this letter was mailed to
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO (PR)

My complaint is with First Bank in Puerto Rico. When I checked my statement I found the bank was charging me an ATM fee every time i used XXXX XXXX services. I purchased XXXX XXXX XXXX online and never used a bank ATM. This is the bank trying to profit from a transaction in which they are not the company or provide the service. I simply remove MY money from my account as if it were any online purchase. The bank down not do this, say, if I make an XXXX purchase. So why if I make a XXXX XXXX purchase? Still a purchase. This I consider fraud and illegal enrichment, if a Federal crime please prosecute to the fullest.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/27 JPMCB AUTO FINANCE used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of JPMCB AUTO FINANCE I the consumer and natural person, was denied credit by JPMCB AUTO FINANCE when I applied for vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. JPMCB AUTO FINANCE are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX of XXXX XXXX XXXX due to the response I received. JPMCB AUTO FINANCE is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

THIS HAS TO BE ILLEGAL GIVE ME MY MONEY I get endless and endless of emails asking for ID, Statements, And debit cards number ending in XXXX or deleted cards and deposit verification and second form of ID a utility bill I send them extreme documents over and over every day XXXX times a month for nearly a month I ever sent them the email confirmation of any deposit I ever made and they sent the same automatic message below, How in the heck can you refuse to refund someones money? After I have clear verification that the account is mines, Are you kidding me? I cant send any thing else thats all I have, I dont have XXXX bank statement yet because we are still in the month of XXXX but the email verifications and bank statements of owner ship is sufficient enough Message I send them asking to verify documents I sent in Requested information to reopen account XXXX XXXX XXXX  Bank statements For card number ending XXXX Please review documents for reopening of account This is what they send me after send XXXX documents Hi XXXX XXXX Thanks for reaching out. I'm sorry for the inconvenience of this situation. 

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX Thank you, XXXX | XXXX XXXX XXXX This is a complete disaster
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX  # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Has XXXX XXXX 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 the following information items. 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 2023-06-28
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: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX XXXX XXXX I filed a dispute with experian to inform them that my address is not correct also a company needed to be removed from my credit report along with documents showing it was wrong. it was still to no effect.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Called to on XXXX XXXXXX/XX/XXXX to request a settlement offer or to lower the interest rate to payoff the card. Was told there wasnt any offer they could make.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American First Finance, Inc. (TX)

EXPLOITATION BY AMERICAN XXXX STORE AND AMERICAN XXXX XXXX This is to lodge a complain in respect of the purchase made at the worth of {$1300.00} in XX/XX/XXXX. 

At the point of the contract, I requested for a one year interest free loan, of which I was made to know that I only qualified for a-three month interest free loan, which I agreed to. 

Sequel to this, an authorization was given by me for automatic direct deductions from my bank account within the stipulated period of three months by the company. 

I have not been paying attention to the deductions from my account to know that the company has deducted more than the exact amount needed to be deducted. A mail was received yesterday, XXXX XXXX, XXXX in respect of deductions to be made on XXXX XXXX, XXXX and I pulled a call across to the company only to discover that the said company has deducted {$1500.00} and still expects me to pay a balance of {$1500.00} which is will make the total money a sum of XXXX, making it an excess of {$1800.00}, which is unwelcome by me. 

I wish to request that the company should refund the excess deductions made from my account, as they purposely spread out the loan beyond three months agreed on, for their own selfish interest which is summarily to me a deceit. This is an unfair business transaction and they are exploiting American citizens by being deceitful and manipulative. 

Thank you in advance for your timely intervention.
Consumer complaint received 2021-12-28
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. (MD)

XXXX XXXX Equifax and XXXX are all placing in accurate information on my credit report from Accounts that are close and do not belong to me
Consumer complaint received 2023-06-28
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. (PA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized EXPERIAN XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.