davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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 (CA)

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, 2023, ONE MAIN FINANCIAL claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, ONE MAIN FINANCIAL informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The ONE MAIN FINANCIAL affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. 

Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize ONE MAIN FINANCIAL to share my personal information with any third party based on false pretenses. 

ONE MAIN FINANCIAL has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report.

Furthermore, ONE MAIN FINANCIAL violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan.

Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX XXXX  and XXXX  are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX  has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Consumer complaint received 2024-09-22
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)

My name is XXXX XXXX and I am not filing disclaim in the third person. I am a living woman whose privacy rights have been violated. THE ACCOUNTS ARE INCOMPLETE AND NOT ACCURATE. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXX XXXX # XXXX {$3100.00} XXXX XXXX XXXX # XXXX {$7200.00} XXXX  XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX / # XXXX {$660.00} XXXX XXXX XXXX/ # XXXX {$87.00} XXXX XXXX  / # XXXX {$4000.00} XXXX XXXX / # XXXX {$1200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I Have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-07-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (TX)

I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. Santander Consumer USA was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is XXXX XXXX XXXX XXXX. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. XXXX XXXX XXXX XXXX is in violation of statute of limitations. I am considering filing a lawsuit against XXXX XXXX XXXX XXXX for harassment.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposit a check in amount of {$30000.00} in my account at JP Morgan Chase Bank. On around XX/XX/XXXX I lost access to my account thru mobile banking app without any notices. On XX/XX/XXXX I spoke to bank teller where I deposited the check to find out why I was not able to access my account info. I was told that my account was closed and no other explanation as to why it was closed. I was given a phone number to call to find out more info. Same day I called that number and was told that my account was flagged for fraudulent activity after I deposited the {$30000.00} check. and they failed to verify the person/business who have issued that check. I gave them the phone numbers of the person/business who issued me that check. and they refused to call that numbers to verify because it does not match in their system. The check has been cleared and money is already withdrawn from the person account who issued me that check. Chase bank is holding that money hostage and refused to release those funds to me till they can verify the check or refused to deposit the money back to person account where it came from. They also failed to give me any kind of time lines to how long it will take to resolve the issue and I am in desperate need of money to pay my mortgage and other bill. I had spoke to Chase branch Manger and call the chase customer service multiple time since XX/XX/XXXX and still there is no resolve. Please Help
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (AZ)

I was living at XXXX XXXX XXXX XXXX on a one year lease that was supposed to end in XX/XX/XXXX. I informed them on XX/XX/XXXX that I would be needing to move out as of XX/XX/XXXX due to personal issues, HOWEVER, there had also been some major issues with maintenance and being blamed for having dog waste that wasnt ours outside of our apartment even though we were picking other peoples dog waste up. We had maintenance issues with our dryer and one of our showers not working that was ongoing from almost the beginning of our lease. I paid my rent until when I moved out and left the apartment in pristine condition. Nothing more was said from the complex after I left. My daughter had even been back a few times to get mail not forwarded and the office said nothing to her ( she was also on the lease ). 
Imagine my surprise when I just checked my credit report and see that I am being reported as owing {$9800.00} since XX/XX/XXXX to XXXX XXXX XXXX being collected by a Hunter Warfield who I will also be reporting as a collection agency should know better than this. Im assuming that they are trying to make me responsible for the remainder of the lease from when I moved out until XXXX. The problem is, XXXX XXXX contacted me by phone and email ( thankfully ) and let me know that a new tenant had moved into the same apartment I had moved out of ( they took tenancy as of XX/XX/XXXX ) and needed me to release services because some reason services were still hooked up in my name. I have thankfully kept that communication to prove that they are trying to collect for the same apartment twice and only within a month of me vacating which I believe is a violation of the Fair Debt Reporting Act as well as other AZ tenant/landlord laws. I am requesting that this ALL be removed from all credit reporting agencies and stop all collection activities due to this violation and the fact that there was harassment over behaviors displayed by neighbors and not by me ( quite the opposite ) as well as maintenance issues ongoing and never corrected after numerous visits.
Consumer complaint received 2022-04-20
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: Westlake Services, LLC (TX)

NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately. 
This inquiry occurred on XX/XX/2022. 
My name is XXXX XXXX Last 4 of my social security number is : XXXX
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (FL)

My card number ending with XXXX was lost and someone used the card they withdrew XXXX from account I let the company know about this I have open 2 disputes regarding this and no resolution is was denied The date was XX/XX/XXXX the  merchant says XXXX XXXX XXXX the amount was XXXX and XXXX Also there was others withdrawal on XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX, XX/XX/XXXX- XXXX now I contacted the merchant and they told me that they couldn't send out a card too my address and they still are denying the claim
Consumer complaint received 2020-07-08
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: CITIBANK, N.A. (PA)

We received charges on our Citibank credit card on XXXX XXXX, 2020 from XXXX XXXX XXXX for {$11.00} and {$18.00}. We did not make these charges. Citicard is investigating them. Again, on XXXX XXXX we saw a charge for XXXX XXXX XXXX , XXXX for {$34.00}. Later we saw 4 charges for the same place on XXXX XXXX of {$68.00}, {$150.00}, {$600.00} and {$1000.00}. We did not make these charges nor were we at the place of business. Citicard asked me if the card was in our possession on XXXX XXXX and I told them yes. They are denying our claim of fraud and said we had to have made the charges. We did not. We have opened up the case twice with Citibank and they have denied us twice. They will not listen to what we are telling them. We have also had the same type of charges with our XXXX Debit card with XXXX XXXX   and XXXX XXXX XXXX XXXX Charges totaled {$2300.00}. XXXX investigated the charges and told us it was fraud and refunded our money. It is ridiculous that we will now have to pay out of our pocket for fraudulent charges we did not make because Citibank will not investigate or listen to our claim. To our best guess, I think our cards were compromised at the XXXX XXXX XXXX but I have no proof of that.
Consumer complaint received 2023-07-03
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: SANTANDER HOLDINGS USA, INC. (NY)

AS OF MAY XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! 
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 und 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (FL)

XX/XX/XXXX I made a purchase for a custom XXXX XXXX Head Ring XXXX ct natural diamonds act XXXX ct in Amethyst using a Acima provider XXXX XXXX Jewelry Lab Design using Acima XXXX for {$1600.00}, {$1000.00} cash, and sentimental XXXX necklace I paid {$2000.00} in gold for to be added when he was to make the ring est total {$4600.00}. The ring the XXXX  made was defective because the stones were loose. The XXXX  said he would fix the ring in a couple days so I was thinking may he need a couple more days. I text him but never responds and just look at the message. He don't answer the phone. He texts me " Hey '' XX/XX/XXXX at XXXX XXXX  and to him call XX/XX/XXXX at XXXX. Tells me someone broke in his store and safe and stole my ring and other jewelry. I called Acima XX/XX/XXXX to see what they could do and they stated to call the store and tell them to close out the account so that I can get a refund offering no help. They told me that I will only get a refund when he close out the account out even though he had the ring. I explained that the ring was defective and the XXXX  has the ring so why am I having to pay for a ring that I don't have in my possession and that it their stores that is recommended to clients on their page that they should call an investigate this so I can get my refund what I paid to them. They told me I had to that they don't do. Me and Acima spoke with XXXX XXXX XXXX  and owner on a recorded line and he told Acima that he would close out the account and promised Acima he would do it the next day. But the XXXX didn't do it and when I text him, since he wont answer my calls he text me that he didn't do it yet that Acima will give me my money back don't worry and that he didn't want to over draw his account. He had no concern about me as a customer only concerns about himself. I looked up the company business license and it seems to be not active and also XXXX XXXX also told me that he has no insurance for his business. So Acima doing business with a store front that has no license or insurance.
Consumer complaint received 2023-07-05
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: Altisource Portfolio Solutions, S.à r.l. (NY)

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22, I wrote to XXXX requesting an investigation into items that I believed were inaccurate and erroneous. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my third-time request, I will also be sending a copy of this letter to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Credit bureaus are required to fairly and accurately report information Please see my reasons for the dispute below : Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is accurate. 
If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX How are these accounts accurate if high balances, date of activity, date opened, and account status are not accurate & erroneous Please investigate if every piece of information is accurate. If not, please remove it from my credit report.On XXXX credit reporting agency both accounts are closed and reporting a balance of {$0.00}. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report & credit score. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Attempted multiple online transactions to different online sellers ; all were declined and sent a {$0.00} processing fee that still hasn't been removed after 2 consecutive days. The advertised requirements by the gift card 's bank for online store purchases were all met when placing these attempted transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MI)

I opened a checking and savings account with Citibank since they kept emailing me promotions. I deposited two checks, one in the checking account and one in the savings account. Checks were drawn on my wifes account. On XX/XX/19 Citibank returned these deposited checks as altered/fictitious basted on the information they received from my wifes bank. I contacted citibank and explained to them that they were good checks and that the other bank made a mistake since they didnt update my wifes signature card when she changed her name to married name. Citibanks loss prevention asked that I submit a notarized letter from the other bank to prove it. I submitted that letter and Citibank even contacted my wife to confirm it. I called Citibank to find out if they will rescind their decision to close those account and was told they would based on the documents I submitted. I was told I just needed to deposit cash in both accounts and all holds would be removed. Today on XX/XX/19 Citibanks loss prevention told me my accounts were closed and the employee couldnt give me more information nor could they get a supervisor or manager to assist. Ive spent many hours on the phone trying to resolve it and was asked by them to make multiple trips to different banks to resolve it and it all ended up being a waste of time. I was lied to by loss prevention and essentially wasted a lot time for nothing. Different employees told me different things and promised a positive outcome which was all a lie. Now they refuse to talk to me and just say someone will call you within 24-48 hours. I did nothing wrong and submitted all documents Citibank asked for to clear me of any wrongdoing. They refuse to correct the problem and just avoid taking the time to correct it.