davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Somebody got access to my bank account so I went to my bank which is Santandar and they close the account. We went through the fraud department. This was in XX/XX/2023. It is now XX/XX/2023 and they are so refusing to refund me all my money I give them a police report statements everything that they have asked for theres over {$13000.00} that was withdrawn out of my account and they froze my old account once I went to, the fraud department and they told me that it was frozen and with that they still let funds go on the frozen account I gave him a police report. I went to the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  was created as well and they saw that it was fraud, so I had those notes sent in, they owe me {$13000.00} and they are refusing to give it to me even though they are insured attached is the link to what happened I went public with it https : XXXXXXXX XXXX
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: HYUNDAI CAPITAL AMERICA (TN)

I went to XXXX XXXX on XX/XX/2022 with a pre approval letter from XXXX XXXX. I told the sales rep that I only wanted my credit to be ran through XXXX  XXXX. The sales XXXX XXXX said no problem. The dealership was getting ready to close, the sales rep said XXXX dealership will process my loan on XX/XX/2022. I met with XXXX XXXX who talked me through my paperwork. I stressed a second time, that I didnt want my credit ran with a bunch of companies. He said no XXXX XXXX we ran your credit through XXXX which came back at 14 % ARP. Then he said we tried our finance company that came back with less. I said okay. He told me that I still had the sign the document that had all the lenders listed. But he again said to me, dont worry we are not going to run your credit against those lenders. I started receiving denial letters which indicate that XXXX from XXXX lied and was very deceitful. Those inquiries were done under false pretenses. It was a slap in the face and when I called him out on it, he turned it around and stated you signed the document. How conniving of XXXX XXXX to do that.
Consumer complaint received 2023-12-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Received a prepaid AMEX gift card from my company with {$100.00} loaded on it. Confirmed {$100.00} is available on XX/XX/XXXX. 

Attempted to use {$100.00} of the gift card on XX/XX/XXXX on XXXX XXXX XXXX to pay towards a cruise. Charge was declined even though they take AMEX ( XXXX customer service confirmed AMEX and gift cards can be used ). Checked the balance after it was declined, and XXXX cents was depleted. I attempted a XXXX time on XXXXXXXX XXXX  site, this time for only {$90.00}, and the charge was declined again. Checked the balance again and another XXXX cents was taken out. My available balance was now {$99.00} instead of the original {$100.00}. 

On XX/XX/XXXX, I attempted to use it on XXXX, a pet supply website. XXXX also takes AMEX. My total order was {$80.00}, which was declined by AMEX. This is the third time the card was declined. 

After searching online about this, I discovered on XXXX and consumer complaint sites that A LOT of people are unable to use AMEX gift cards and getting declined at the majority of retailers. I would like this investigated because it seems AMEX is declining transactions on purpose for Financial reasons, trying to commit fraud on consumers and companies who purchase these. I will be reporting this to my company since they purchase a XXXX XXXX of these {$100.00} gift cards a year. 

As a consumer, I would like my {$100.00} from AMEX that I was supposed to be able to use from the gift card!
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (TX)

In XX/XX/XXXX, I paid off the lease of XXXX company vehicles we had since XX/XX/XXXX. We were told that our title would be mailed within XXXX days from the transaction date, but we never received it. Moreover, we could not trade in or sell these vehicles in a timely manner, causing damages for up to {$45000.00} in lost value of the cars, hurting the finances of our small business.
Consumer complaint received 2023-12-29
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I was completely shocked this afternoon to see incorrect accounts suddenly appear on my credit report. I regularly check it, but this time there were errors out of the blue. Even after refreshing my browser, the inaccuracies remained, showing it wasnt just a glitch. This has left me concerned, and I need reassurance that the documents Ive provided will be carefully reviewed so I can have peace of mind.
Consumer complaint received 2022-11-01
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. (OH)

On XX/XX/XXXX. I was denied by XXXX XXXX for Cash Rewards XXXX XXXX XXXX. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. Under 15 USC 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( 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 2020-01-29
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: EQUIFAX, INC. (CA)

After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality.

Despite explicit requests for reinvestigation directed at Transunion regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for
individuals.

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I had a Discover card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to Discover since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?
Consumer complaint received 2023-12-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC (MI)

Back in XX/XX/2023 I filed bankruptcy XXXX  XXXX and then shortly after around XX/XX/2023 I was contacted by a person claiming to be a law firm and demanded me to pay {$1200.00} to them for a debt from a agency that I supposedly borrowed money from ( such as a payday loan ). I then checked my email on XX/XX/2023 to find that I now have 9 email from them stating to either pay or they will prosecute me for a lot of charges I know nothing about. I advised them during the first phone call I have filed bankruptcy so my debt would be discharged. I am concerned that who ever this company is has stolen my information which is a concern that this company knew my social security number, drivers license number, and my date of birth, email, phone number. All of my personal information including my old address.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TX)

To - LVNV FUNDING LLC XXXX Opened XXXX XXXX XXXX {$430.00} LVNV FUNDING LLC- XXXX XXXX XXXX  {$640.00} LVNV FUNDING LLC - XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account.

Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act.

You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Please supply this or immediately remove it from my credit report.
Consumer complaint received 2020-01-29
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: ONEMAIN FINANCE CORPORATION (NC)

On XX/XX/2020 I received 2 phone calls from One Main, a loan company I used about 3 years ago. They informed me that a person with my same name come in for a loan and MY information was used in error. I was told they would fix it. Upon receiving the second call I was basically informed I needed to feel out forms to fix the problem. This is not acceptable. They were to send me emails with forms, this never happened. They stated the information WAS sent but would send it again, never happened. I have worked HARD over the last few years to improve my credit. I need the hard hit removed from my credit report. I have the following information :. One Main - XXXX, In. XXXX. Phone - XXXX. The branch I used a few years back - One Main - XXXX XXXX XXXX XXXX. XXXX,. NC. XXXX. Phone - XXXX. I spoke with XXXX, she run my report. XXXX was " trying '' to fix it. Again, haven't heard another word from them. Thanks
Consumer complaint received 2020-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened the checking account in XX/XX/2019 and deposited {$5000.00}. Based on the agreement I supported to get XXXX XXXX XXXX miles but have not got anything so far. In addition, i have not get any update from Citibank since XX/XX/2019.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

My grandma passed away in XX/XX/XXXX without a will so I kept paying the lien on her house through a company named ocwen loan service with no problem in XX/XX/XXXX I guess they gave the lien to another company named ohh loan services I was paying between 550.00 $ and 600.00 $ a month with ocwen then it went up to XXXX $ with phh then the following month phh sent me a letter saying my grandmother estate owed them XXXX $ Im wondering how can I owe them when Ive never missed a payment never
Consumer complaint received 2020-01-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have several unverified accounts and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now ( 2 accounts ) XXXX/XXXX/XXXX XXXX/XXXX XXXX   XXXX
Consumer complaint received 2023-03-31
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

XXXX Account 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  Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 2019-12-30
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. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Dates : XX/XX/2018 - XX/XX/2018 - XX/XX/2018
Consumer complaint received 2022-11-01
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. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.