davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my XXXX. 
These are the following accounts that were not removed. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.
Consumer complaint received 2023-04-29
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. (MD)

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  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 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I bought a car from this company in XX/XX/XXXX. I was promised a 3 month warranty. I was told that if anything went wrong within the three months that they'd fix my car for free. The morning after I bought the car, I started having issued and I returned it back to the dealership for repairs. I have an email with all paperwork to prove it. A couple of days later I got my car back and it was still experiencing old and new problems. For two months I begged the company to fix my car and they refused to do anything more to it although I was rightfully within the three months. Although the car had issues, I understood that the payments were reporting on my credit and that's why I HAD NEVER MISSED A PAYMENT. You can review my credit report to see that I had always made on time payments. One day towards the end of XX/XX/XXXX, going into XX/XX/XXXX my car had completely shut off at a red light. I was stuck in-traffic and I had to have my car towed to my home. After that, the car never would start or move. I called the car company and asked them to fix it and they refused, so I made my payment and VOLUNTARY asked them to pick up the car as there was not any use for it. After the car was picked up a Representative named XXXX XXXX ( XXXX ) called and told me that I was right and that there was terrible issues with the car and that it would start start when they picked it up. XXXX said that they could fix it for me and give it back because he realized what the company was practicing was wrong and unfair and he also said that I had great payment history.I never heard from XXXX afterwards. I sent him an email following up with our conversation and he never responded. I asked this company not to report this to my credit and they not only have but they are putting false information on it as well. The car was repossessed in XX/XX/XXXX. On my credit report they saying I missed a payment in XX/XX/XXXX and that the car was " involuntarily repossessed in XX/XX/XXXX. Also they say that I have also made payments on this car in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. How could I have made these spontaneous payments on a closed account and on a car that's been gone 2 years? Also, please show me the receipts and forms of payments I have used to pay. I demand that this car and balance and company is removed from my reports completely.
Consumer complaint received 2023-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: FC HoldCo LLC (AZ)

Purchased a XXXX XXXX XXXX XXXX at XXXX miles in XX/XX/XXXX at {$19000.00}. We tried returning the car less then 7 days later due to not a car for us as a family. We were told we had to make payments on the car first and try to trade it in after. We drove the car less then 800 miles and the clutch failed. The dealer wanted to charge {$4000.00} to have the clutch fixed. Came back to trade it in and was told we need to make more payments before they will trade it in. The dealer should of have replaced the clutch before we bought the car since it was past the 100,000 miles marker. We have had our credit run again by the dealer when we didn't have an reason to wince there was nothing happening.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Finance Company, Inc. (NC)

Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and I noticed you NATIONAL FINANCE CO 230 are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NATIONAL FINANCE CO 230 Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I'm a XXXX XXXX who open checking accounts numbers in XXXX XXXX XXXX, before sort codes was perfected. 
XXXX. I delivered a cash deposit of XXXX XXXX use dollars XXXX. Passport, plane tickets, XXXX. XXXX  flight {$11000.00} round trip. 
XXXX. XXXX terminal ohare airport XXXX Problem. I lost all my checking account numbers XXXX. Specifically my driver license.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

Dear Wells Fargo Executive, I am writing to express my disappointment with the bank 's handling of an unauthorized XXXX transaction that occurred on my account. Despite my repeated requests for a refund, the bank has refused to comply, citing federal law. However, I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and I am willing to pursue legal action if necessary. As you may be aware, the EFTA and Regulation E provide certain protections for consumers who are victims of unauthorized electronic fund transfers, including XXXX transactions. Under these laws, consumers have the right to dispute and seek a refund for any unauthorized transactions that occur on their accounts, as long as they notify their bank within a certain timeframe. In my case, I discovered an unauthorized XXXX transaction on my account on [ date ], and immediately contacted Wells Fargo to report it. I provided the bank with all of the necessary information, including the date, time, and amount of the transaction, as well as the name of the recipient. Despite this, the bank has refused to refund the transaction, claiming that I am not entitled to one under federal law. However, I strongly believe that I am entitled to a refund under the EFTA and Regulation E. These laws require banks to investigate any disputed transactions and respond to the consumer within a certain timeframe. Banks must investigate and respond to the consumer within 10 business days. The investigator told me that my online banking account has been logged in from 1 ) Texas 2 ) XXXX XXXX 3 ) XXXX. There was clearly suspicious activity going on with my account and I have been careful with my account. Furthermore, the EFTA and Regulation E provide that a bank may only deny a refund if it can demonstrate that the consumer authorized the transaction or was grossly negligent in safeguarding their account information. In my case, there is no evidence to suggest that I authorized the transaction or was negligent in safeguarding my account information. Therefore, I must insist that Wells Fargo reconsider its position and refund the unauthorized XXXX transaction that occurred on my account. I am willing to pursue legal action if necessary to ensure that my rights are protected. However, I hope that we can resolve this matter amicably and without the need for legal action. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (OH)

A special promotion with Synchrony Care Credit. If I don't pay off my balnce by XX/XX/XXXX Care Credit is going to add the accrued interest based on the original amount instead of what is left over ( {$1000.00} plus ) back into the remaining balance. I applied for a special XXXX XXXX balance transfer card with 15 months no interest. Care Credit is blocking the transfer because they said it is illegal to pay a credit card with a credit card and Care Credit is blocking the transaction. I have called and called Care Credit and they keep saying the same thing. XXXX XXXX said they transfer balances all day. Care Credit allowed me to transfer their balance to my XXXX XXXX years ago but now they are. 
Please help
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-29
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. (FL)

I did not enter into an informed agreement. I first made a decision prior to receiving an agreement. There was NOT two consenting parties in this agreement.

I was UNINFORMED on basic facts such as I needed two consenting parties to make the agreement, I needed an understanding of what was in the agreement as it was NOT conspicuous nor clear of what I agreed too especially since I did not receive the agreements until after the 30 day period, I was supposed to be able to make an inform decision. I did not know the cost to me of what may come from this credit. I did not know the subject of the agreement when I made a decision.

It is a person of whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness OR if there is no such evidence of indebtedness by agreement. Meaning on the face of that uninformed decision there needed to be evidence I owed them prior to receiving the card so they created an agreement I was unaware of and would not receive without informing me in order to create false debt.

Because of the uninformed decision the contract and agreement was null and void at the beginning.

15 USC 1643 ADEQUATE NOTICE. 
Basically says that XXXX should have made sure I 100 % understood the terms and agreement as well as received the information prior to signing up for it. Not only did I not actually sign anything by hand but by clicking a button that XXXX themselves used a electronic signature they themselves created for me in place of my own signature, by I was unable to receive any information prior.
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX  account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED.
Consumer complaint received 2023-04-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

# XXXX closed # XXXX closed by myself Here are the tracking # 's from both " XXXX to Bank of America '' and `` from Bank of America to my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Since XXXX XXXX XXXX there has been a discrepancy between the amount I receive and the amount my husband receives on our XXXX, yet we are both supposed to get the same amount from XXXX. Both our XXXX XXXX show the amount is the same for both of us, therefore, the problem lies with the Bank of America and needs to be corrected. 

As you can see from my documentation, this has been happening from the beginning of XX/XX/2022 up to current day. Our checks are deposited on the same day. The column showing XXXX is what I receive and the column showing XXXX is what my husband receives and the final column is the difference between our deposits. These numbers should be the same!
Consumer complaint received 2024-08-30
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXXXXXX XXXX Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXX XXXX XXXX  Assistant. Download our app today. 
XXXX  on the XXXX XXXX, Get it on XXXX XXXX  About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXXXXXX XXXX '' When I tried to call the number foXXXX XXXX XXXX it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX XXXX. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX  " XXXX XXXX XXXX as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital one has been overbearing and difficult to deal with a situation that was easily dismissed by a fraudulent fee charged twice by a XXXX app Called XXXX  which my credit Card fraudulently charged me or the hardworking money that I made on there as credit that I put in out of my pocket. And then Never dismissed it fraudulent and added additional fees to the fraudulent double charge of the XXXX app or software and XXXX XXXX app. And still today they want me to pay XXXX or more charging me more late fees when I denied that claim the second that app charged me and even more so called immediately to have that charge removed. FROM MY CAPITAL ONE VISA OR XXXX. Cant or dont want to remember that card or those charges in my credit account. Therefore ruining my ability to have good credit for years. And plenty of other fraudulent cases that I also have in my collections. Some maybe werent even me and I would like all of them removed some day, so that I can move on with my good credit score just like everyone else in this world. Thank you