davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received two phone calls back to back from " USAA '', I answered the third call where a professional man greeted me and told me he worked with USAA in the fraudulent team. He said I had 3 pending charges in NC and SC and needed to verify my identity/charges to prevent the potential fraudulent charges from occurring. The first charged in NC he said was for {$900.00}, the second one was from a grocery store ( XXXX XXXX I believe ) for roughly {$500.00}. I confirmed those were fraudulent and confirmed I have not been traveling and was located in XXXX. He asked to verify my online ID and I gave him the wrong one which he informed me his system did not recognize that and I found the correct one and gave him that. He then asked for my password and that is when I questioned him and told him I've had previous fraud notifications on my phone and calls from the fraud department and they never asked for my password why was he now? I was busy multitasking with work at the time so wasn't thinking straight and he never answered my question just reassured me he was who he said he was. So I gave him my password and he sent a login verification code to my phone as he was logging into my account. He mentioned a {$5500.00} wire transfer was going to hit my account for the hardship the fraud has caused, but it would be taken out within 30 minutes. While on the phone he deposited {$4900.00} into my savings account. We got off the phone, and I noticed shortly after {$5500.00} was taken out of my savings account and I called USAA immediately to see why they took out more money than they deposited in and realized I was being scammed at this point as they drained all 6 of my accounts transferring money out through XXXX. USAA submitted a report to their fraud department, and we should hear back with 3-5 days.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # XXXX date:XXXX  Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-04
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. (MS)

To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX : DEPTEDXXXX + XXXX Account XXXX : DEPTEDXXXX XXXX Kind Regards
Consumer complaint received 2022-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX  EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

The company I C Systems has reported derogatory information to the credit bureaus. I requested I C Systems to validate the account or remove the item from my credit report and they refused. I spoke to XXXX XXXX XXXX XXXX XXXX ) who refused to provide validation of the debt or prove that the debt belongs to me. This discussion took place on XX/XX/2023
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I have been trying to resolve this problem with HSN for 4 months with no success. I have called HSN a number of times to ask for information on my account. I havent used my HSN card in about 5 years and I can only remember one purchase for an XXXX. This would have been paid off long before now since I have made regular payments. HSN used to be with XXXX XXXX, then changed to Sychrony. I called XXXX and they were not able to help from lack of information from HSN. I called Sychrony Bank in XX/XX/XXXX, and they tried to help. We did a 3 way call with them, myself and HSN. Still the billing supervisor at HSN could not see any record of a purchase beyond the XXXX  that i knew about. They do not know why the statement was so high in XXXX of XXXX when the XXXX  was purchased for {$500.00}. My payment were not late so I just continued to pay. Now I have to have answers to this issue and my husband is ill and I do not have the time or INCOME to keep paying without knowing what it is for. I have reported this to XXXX, XXXX. I believe the bookkeeping at HSN is terrible, and they offer no resolution. I am now getting a bad credit score because of HSN. The account is SYNCB/HSN account number is XXXX I just want to know what I am being billed for not just what they say I owe them. I think my account has been compromised by another customer or some other type of fraud- or they would be able to tell me what these charges are for.
Consumer complaint received 2022-08-23
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. (TX)

I have collections showing on my credit report which I've paid, company and I agreed on having this items removed from my credit report. Only one was removed the rest still there but I've paid for them this is crazy.
Consumer complaint received 2022-08-23
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. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Continuing to verify XXXX XXXX collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with XXXX XXXX. XXXX can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I found out about the fraudulent charges on my TD Business Solution Credit Card around XX/XX/XXXX and I immediately reported it to TD Card services. The fraudulent charges were all made through a series of XXXX XXXX  transactions in the sum of {$12000.00}. The dispute claims remain unresolved as of today. I am currently in the process of applying for a mortgage and this unfortunate event has greatly damaged my chance of getting one. I need the fraudulent charges remove from my account as soon as possible to prevent it from further damaging my credit health.
Consumer complaint received 2022-08-23
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. (TN)

There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2023-08-23
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 (PA)

On XX/XX/2023, XXXX bought out my remaining lease from Hyundai Motor Finance using a payoff quote provided by XXXX  on XX/XX/XXXX which was valid through XX/XX/2023. Hyundai claims that the payoff quote was erroneous and {$400.00} short. I was not made aware of this issue until XXXX when a lien was put on me and my credit score ( which had been perfect ) immediately plummeted. 

I have spoken with Hyundai many times in XXXX and XXXX. XXXX finally agreed to pay the remaining balance of {$400.00} to close the account but Hyundai has still not closed the account and released the title to XXXX. 

Attached are all the relevant pieces of information you need to make this right and to help repair my credit. I can not access any financing as a result of a " serious delinquency '' that Hynundai put on my credit report, the result of an error by someone on at Hyundai. The alleged extra payment has been made but Hyundai is still being unresponsive. 

Thank you in advance for your help. 

XXXX XXXX Attachments 1. the payoff quote from XXXX XXXX Hyundai of XXXX from XX/XX/2023 showing a remaining balance of {$24000.00}, good through XX/XX/2023. 

2. the lease agreement with XXXX dated XX/XX/2023 showing the payoff amount of XXXX based on the quote. 

3. the payment history from Hyundai Motor Finance showing that the check XXXX paid to Hyundai was posted to the Hyundai account on XX/XX/2023 ( well within the " good through '' time period ) 4. a copy of the cleared check from XXXX paying the alleged remaining balance of {$400.00}
Consumer complaint received 2023-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I had a loan through wells Fargo for a used car I purchased in a dealership in XXXX XXXX Nevada I recently found out that Wells Fargo added more charges and or on the interest rates on loans from XXXX through XXXX. My loan with the bank was from XXXX through XXXX. I'd like to see if I am entitled to money back from a settlement they just lost
Consumer complaint received 2022-08-23
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. (TN)

There seems to be an error on my consumer report furnished by XXXX XXXX  and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2022-08-23
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: TD BANK US HOLDING COMPANY (WA)

I recently was awere that someone applied for a line of credit in my name, when I am absolutely sure I was not the one who applied to this line of credit. 

Installment Loan or XXXX Bank Account XXXX NORDSTROM/TD BANK USA got a copy of your XXXX Credit Report. 

XX/XX/2022 NORDSTROM/TD BANK USA recently checked your XXXX credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years.
Consumer complaint received 2023-02-04
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (LA)

I went to XXXX XXXX Apartments Inquiring about a Apartment at the end of XX/XX/2020 I paid a application fee but I never moved in. A debt owed of XXXX dollars was reported by XXXX XXXX XXXX to National Credit Systems saying that I owed the debt for leasing a Apartment which I never did. I was not aware of this debt until I went to lease an Apartment. I contacted the Apartment Complex and they told me they don't keep records of leases over a year. I also had someone else to call on my behalf and they were told they was trying to find the lease. I was denied entry into XXXX XXXX Apartments because of XXXX XXXX XXXX falsely reporting that I owed this debt, which from my understanding is against the FCRA that list civil penalties for people or businesses that willfully refuse to comply with accurate credit reporting and I also understand that actual damages are limited to a range of XXXX to XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request the blocking and deletion of an unauthorized inquiry on my credit report. 
As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request the removal of all fraudulent items.

Unauthorized Inquiry : XXXX XX/XX/year> XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (GA)

I purchased a car a XXXX  XXXX XXXX from XXXX XXXX XXXX  company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see XXXX XXXX  saying i owe them car payments, i told them i don't my car was with XXXX XXXX XXXX  and not XXXX and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and Equifax and XXXX took it off at first then put it back on there and that's fraud, Equifax is reporting i owe XXXX XXXX  the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and Equifax is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with XXXX XXXX XXXX  or financial and i want my {$1000.00} dollars a day from XXXX and Equifax for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since XXXX XXXX is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on my credit report.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (KY)

Good morning, I am being charged for a medical debt from my son who has always had XXXX health insurance. I do not understand the reason why this account was not charged to the health insurance at the time and now after a long time I ran into this horrible situation. to communicate first with the medical insurance to pay thanks
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}.