davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable
stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-25
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has come to my attention that my credit account with you remains compromised. Despite submitting an FTC fraud report # XXXX, it appears that items are not being removed. On XX/XX/XXXX, following the purchase of a credit report from XXXX I discovered unverifiable information on my personal profile. The presence of charge-offs, collection accounts, and inquiries continues to adversely affect my credit records. Regrettably, despite my consistent efforts, which include monthly credit report purchases and ongoing disputes through XXXX XXXX, no remedial actions have been taken on your part. In response to a call to your department, I was advised to submit a written request along with a copy of the identity theft report ( FTC report XXXX XXXX XXXX  ). I have had no transactional history with the items listed below. Therefore, I urge your assistance in promptly removing the charged-off collection accounts and inquiries, along with correcting inaccurate information on my personal profile. Enclosed with this written request are copies of my Proof of Billing, Drivers License, and Social Security ID. Please address this matter expeditiously. Kindly delete the following fraudulent items : -- -- -- -- -EXPERIAN XXXX XXXXXXXX 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 2024-02-01
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: EQUIFAX, INC. (NY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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 XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Deposited a check from the North Carolina lottery on XX/XX/year> for XXXX. The bank sent me a email stating the had info the check would be returned. It was from the XXXX  XXXX  i would like to know how the had info it would be returned and why. And they failed to credit my account with the required max amount of XXXX while the check is on hold. I have had this bank acct for over 20 yrs
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

My late mother, XXXX XXXX financed a vehicle through Santander several years ago. She unexpectedly died in XXXX of XXXX. I immediately contacted the company above and told them that she was in the hospital since XXXX of XXXX and was unable to make decisions or speak properly due to the medications they had her on for a XXXX  XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to advise the above that I have power of attorney over her and attempted to make a payment on her car, which did not go through because when she died, probate kicked in and XXXX  XXXX XXXX immediately locked/seized all assets. I wrote them a letter advising them that I could not access any funds until probate was filed in XXXX XXXX court and that I would be interested in them taking the vehicle since I could not handle it until the judge made his ruling. We still have not been able to file her probate and are about to. The vehicle sat at my property this entire time and nobody tried to come get it politely. On XX/XX/XXXX my grandmother borrowed the vehicle to move belongings from her storage and drove it to XXXX Tx where she went into a XXXX for XXXX mins, tops ( this was confirmed by a XXXX XXXX XXXX Sheriff ). The sheriff advised her that the vehicle was towed away/repossessed. When I tried to call Santander, the staff was very rude and adamantly refused to speak to me because I was " not the account holder ''. I would have been happy to provide legal documents, death certificate, etc. They left my XXXX XXXX XXXX XXXX grandmother stranded out of town and one agent told me I could speak to the estate department, the last one that I ended up having to get nasty with was the one who refused to speak to me. I feel that this is an illegal repossession, as they took belongings that I needed from the vehicle *XXXX XXXX XXXX XXXX XXXX XXXX XXXX* and refuse to tell me how or where I can get my family heirlooms and medication out of the vehicle. They completely stonewalled me and disregarded the probate law by illegally sending out stalkers/PI/spotters to stalk my grandmother out of town. I will be looking into legal action against this unscrupulous company. Please fine/close them down so that they do not target other families that have lost a relative that mistakenly financed through these crooks!
Consumer complaint received 2022-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: World Omni Financial Corp. (FL)

I, the consumer and natural person, was denied credit by XXXX XXXX XXXX 's finance department when i applied for a car loan. 
Adverse action against me, the consumer is against the law according to the equal credit opportunity act which is in 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. 
XXXX XXXX XXXX are subject to criminal liability for violating 15 u.s.c 1691 as i have proof that i was discriminated against by XXXX XXXX XXXX due to the response i received. 
XXXX XXXX XXXX is in violation of 15 u.s.c 1642, u.s.c 1681m and 12 CFR 1002 since I, the consumer, made an application in good faith, but credit was not issued. 
Due to my social security number, Credit card, was used and i received NO benefit. this is proof of fraudulent activity, unauthorized use of credit card, on behalf of XXXX XXXX XXXX. 
If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, social security card, i will indeed make XXXX XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. 
I also Expressed to not shotgun my credit report to other banks but they still went ahead and ran my credit report through a multitude of banks like XXXX  XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX, SOUTHEAST TOYOTA FINANCE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
I also called XXXX and they told me that these inquiries were validated which they should have not since they were fraudulent and didn't want to remove them as i demanded since they don't belong there because i didn't benefit from any of those inquiries.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Once they offered me the loan and did a hard credit check inquiry, they began to put up unreasonable barriers, including the sending of a 60 page generic teacher contract. They still refused to release the loan. In my last letter to them I tried to explain. 
The following was my last attempt at closure. 
" Your underwriting department is unable unwilling to distinguish between a general teacher 's contract, written for hundreds of District employees, and my personal current employment status. As I have already shared with you, I am a tenured teacher who has been working in the same school district for the past 18 years. This can only be verified by an email or phone call to my district, not by an examination of a generic teacher 's contract which does not mention me or any other employee by name. In fact, my tenure provides me with protection from any rapid or haphazard termination, which in most cases, would make me a very desirable loan candidate, the logic of which is missed by your very own underwriting department. 
In a nutshell, my private banking information, including my account number has now been compromised. Additionally, the inquiry you placed to the major credit bureaus is now adversely effecting my ability to look for a consolidation loan elsewhere. This is unfortunate for me, an individual who is attempting to rebuild and repair my own credit. '' The customer service agent, XXXX XXXX, seemed to enjoy the fact that my loan was not approved. I'm only asking for the hard inquiry to be withdrawn at this point. But they refused. I don't appreciate or deserve this abuse. 

Thank you for your consideration. 

XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (CA)

Received a letter from " Linebarger Goggan Blair & Sampson, LLP '' stating I owe {$490.00} in unpaid court dues to the from an unpaid traffic violation in XXXX XXXX dated XX/XX/15. Not only can I prove I was not within XXXX XXXX on the day in question, I never once received any correspondence about this supposed violation prior to this letter. This letter also does not list any details about the vehicle that was supposedly involved in this violation. In XXXX  the name of this " law firm '', it appears multiple people are being targeted by this same scam in multiple states.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (FL)

I have been contacted and verbally abused by representatives from Pro Collect. Numerous times I have told them I am not responsible for the debt and asked for information about the account. I have been berated and falsely accused of owing money and was told that they would continue calling me every day until I paid. When I asked to speak to a supervisor I was told they would not connect me to a supervisor and would note in the account that I refused to pay. When I explained that I'm contacting them for information on howI can resolve this matter I was hung up on. The rep continue to call me by my incorrect name even after repeating several times to her that I was not the person she was looking for.
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. (VA)

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 : # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo hosted a fraudulent customer, i.e., XXXX XXXX XXXX XXXX  posing online under the website and name " XXXX XXXX ''. They allowed multiple transactions from multiple different banks, and from multiple different XXXX XXXX and now they refuse to refund my 2 wire transfers made to the fraudulent account they hosted. Even if funds are no longer available in that account, Wells Fargo should be held liable for hosting fraudulent activity. 

There are many other XXXX  investors who have attempted to contact Wells Fargo , and similar to myself they were told by Wells Fargo that there is nothing that can be done, and that I can't open a case because I'm not a Wells Fargo customer . I attempted to contact multiple departments and eventually was hung up on by the legal group. 

I have contacted authorities and the XXXX and hope to see Wells Fargo admit wrongdoing and gross negligence soon to reach a resolution.
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Experian/Equifax/TransUnion Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) Global lending services XX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Consumer complaint received 2022-11-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified USPS mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, LVNV FUNDING LLC, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, LVNV FUNDING LLC, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

i wrote a check to charity on XX/XX/XXXX for {$500.00}. the payee never received the check. 
it was cashed on XX/XX/XXXX by someone else.the endorsement on the check does not match the payee of the check. i submitted a claim to chase bank on XX/XX/XXXX. i called jp morgan chase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inquire about my claim. claim number XXXX their response, each time was, we are waiting for the other bank to respond. 
chase should never have paid out the funds.it was their mistake.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OK)

XXXX i went to US Bank website to find a US Bank ATM website to withdraw money XXXX XXXX XXXX  but there is none in my city and in the same website it says that i can use a moneypass atm to withdraw money, there will be a surcharge fee but it will be waived, also written here XXXX XXXX XXXX and XXXX XXXX XXXXXXXX Then right away i withdrew money and the ATM says there will be a fee which is what i expected since US Bank website says so. Today, XXXX the transaction cleared out and saw the surcharge fee for using moneypass atm, then i contacted us bank rep from their website using live chat, explained the situationed, and they said that its not a fee that they will waive, i gave them proofs of those websites but the rep still says no. Aside from that, the rep is extremely rude right after i showed them the proofs from their own website and tried to end the chat as soon as possible, the rep name was XXXX, i'm sure they store transcription of chat history that if you request you can see it yourself. 

I'm reaching out to CFPB to get help, as usual, bank write in their own website they will waive the fee, comes time when they have to waive the fee, they do not honor their words
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.