davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit report has taken a huge toll on my life. Everyday I have to live with not being able to finance or purchase anything because of my credit. Im asking that my case be taken into consideration. Ive never owned a XXXX vehicle or even got any credit cards in my name. These accounts are coming back verified as if I open such fraudulent accounts & then act clueless later. I am demanding removal IMMEDIATELY!
Consumer complaint received 2023-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MA)

I am not even the debt holder nor am I consigned so any loan. Not really sure why they decided to pull my name out from a family relation, but I have been receiving calls and emails about a student loan debt that isn't mine nor have I cosigned on said loan. I find this all to be pretty harassing and interrupting my daily life as a caretaker to my small children. When I answered one of the call thinking it was my child 's doctor, it was instead a navient employee that laughed at me when I said I had nothing to do with said debt and that I thought it was illegal how she was calling me. Then I attempted to complain directly to navient via their phone system and got told no one could take my call and to leave a message? I am very over navient 's bizarre harassing tactics.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. 

I prepay account spend over {$500000.00} per year.
Consumer complaint received 2024-08-06
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Account number { XXXX Account name { XXXX XXXX XXXX
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (MA)

On XX/XX/year> I have received a mail from NETSPEND with an enclosed debit card which I didn't apply for. On the letter and the debit card, my full name is printed. There is an account number ( XXXX ), routing number ( XXXX ) and a bank name ( XXXX, XXXX. ) on the letter as well. 

On XX/XX/year> an online checking and savings account I have with XXXX was hacked, and I had to fight off the scammers who tried several different things to take the money out of my account. They had changed my password and phone number, and it took several days from the bank to react and lock them out of the account. I have filed a police report about it. My suspicion is that it could be related and my identity might have been stolen. Please advise on the best course of action on this matter. Thank you.
Consumer complaint received 2016-04-21
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (MA)

Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/2020 I requested that my current account because it states on my receipt that it was closed but it never was closed. My stimulus checks went into the account account hadnt been touched for years and I will send it in XXXX for transactions were made each XXXX/XXXX dollars and I never made these purchases, I didnt even know that account was still open current bank has it under investigation when it was negligence on their part they shouldve closed my account and never left it open so now Im stuck here waiting and waiting and waiting for them to get a hold of these people, and I try to get a hold of the people that the purchases were made And I cant even get a hold of. They dont have a phone number or address not even a location.
Consumer complaint received 2023-08-11
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-06
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: NCB Management Services Inc. (NV)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, my child received a text from Wells Fargo asking if a charge was fradulent. It, in fact, was, and we responded accordingly. Wells Fargo cancelled the debit card, said a new one was in the mail, and asked my child if he wanted the new number updated in his phone 's apple pay. My child said yes because he was on a trip and had no other card. 
on XX/XX/XXXX, over {$5000.00} was taken out of my child 's account through transactions in the XXXX. ( my child was in the US at the time ) He did not authorize any approvals and did not even have the account number of his new debit card. We called Wells Fargo and they cancelled his card and reissued yet another card. We did not update the XXXX XXXX capability and changed all system passwords. They said it would be 10 business days to received a response and return the money back in the account. Later that day, they called us back on the 15th and asked us if we had called Wells Fargo from a number that was not associated with our account. We said " no '' and they said " it is likely that your Wells Fargo account has been infiltrated and someone has your account number '' they closed the previous account and opened a new one. We did not give anyone passwords or click on any kind of phishing scam. We waited ten days with no response regarding the claim. I called up after ten days and received a response that " all charges were approved '' and the bank determined there was no unapproved charges by us. Even though they had contacted us regarding fraud twice in two days and had not done anything to resolve the situation appropriately.

Now they will not tell us why they denied our claim, how someone hacked into the wells fargo website, nor how they think this is not something they are liable for. I have spent almost 20 hours dealing with Wells Fargo and have received virtually no logical answer and have been told that my case is closed and no one will look at it again, respond to my questions, or address in the future.
Consumer complaint received 2023-08-11
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. (MO)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-07-31
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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. (TN)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2023-07-31
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-06-20
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. (MI)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hello, I opened a new PayPal business account on XX/XX/XXXX and received the first Payment on XX/XX/XXXX of {$390.00} via my XXXX XXXX which I have had for a couple of years. My new trademark and company just finished registration so I switched out the prior paypal account to my newly registered XXXX. After I received my first order to the new PayPal account, PayPal asked to verify my Identity which I immediately complied to. Soon after that they permanently suspended my account without giving further explanation. I have been legitimately running my business for many years without any problems and my shop is in great standing with almost only XXXX star reviews. 

I also called PayPal customer service for XXXX minutes but they didn't want to disclose further information or help to resolve this issue and the customer service agent got quite rude.
Consumer complaint received 2023-06-20
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called the XXXX XXXX for Bank of America and reported withdrawal history that I did not make nor gave permission for. After filing said claims I received in the mail the Denial of Claim Letters. They stated that my claims were denied because B of A found evidence that I performed the withdrawals myself or gave permission for someone else on my behalf. These withdrawals totaled more than {$5000.00} and were in no way done with my consent or knowledge. They were done at a Casino near where I live. I called B of A to request the documentation and any proof that was used in order to make their decision. Several weeks later I rcvd what they considered the absolute proof that I was responsible for what I had claimed, all that was sent to me were print outs of transaction history in and around the time of the particular disputed transactions. This is something obviously I already was aware of and had access to and that any monkey could have printed out and in my opinion does NOT constitute valid, without doubt proof that I was responsible. I have attempted to contact someone higher up with no luck and was advised that my claims would not be reopened, no individual will answer any questions and I am basically told oh well and laughed at. I think their excuses are not valid and not professional and that they did not handle my disputes accordingly and I want my money back.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-06-20
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. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: SANTANDER HOLDINGS USA, INC. (MA)

From XX/XX/2023 to current, Theft of XXXX from savings account was reported, bank refused to put thru to fraud dept, refused to investigate, refused to audit per multiple requests. Bank lowered credit by XXXX on existing credit card, refused to correct fraudulent charges despite multiple requests. Spoke with XXXX XXXX RI XXXX XXXX XXXX after denial of purchase. Received harassment call from XXXX XXXX which calls frim multiple numbers, i owe nothing to them. 
Id theft reported for yrs and mortgage realestate fraud reported for yrs with regards to several properties on federal and state level. XXXX XXXX sjould cease to contact me, Santander Bank told me a credit decrease occured without notification nor would provide a date of credit examination because there is non. Santander Bank branches XXXX and XXXX XXXX have been informed of fraudulent activities, did nothing related to the banks involvement with my deceased spouses Assets within that bank which were stolen.
Consumer complaint received 2023-06-20
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( Original Creditor : ) XXXX Balance : {$590.00}
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: First Technology Federal Credit Union (CA)

I opened a credit card account with First Tech Credit Union in XXXX, 2023, and moved a balance ( {$9100.00} ) from another financial institution to the new First Tech card under a promotional rate of zero percent for one year. 

I then made a new purchase on the card for {$500.00} that's not part of the balance transfer. When I asked the company what my minimum payment needs to be to avoid interest, they told me that the only way I can avoid paying interest on the {$500.00} is the pay off my balance in full, or {$9600.00}. 

I've done many balance transfer in the past, have accounts with XXXX and XXXX XXXX, and others, and those companies always separate promotional balances from non-promotional balances and treat each balance accordingly. With First Tech, by using the card to make a purchase, I'm now required to pay interest on the {$500.00} for the next year unless I pay off the entire card balance ( promotional and purchase ) on my next statement date.