davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: COMMUNITY FINANCIAL SYSTEM, INC. (PA)

On XX/XX/2021 I went to the dealership know as XXXX XXXX to look at vehicles. Found a truck I like, was convinced to do a loan. The loan interest rate I was told was 4.9 % then was switch without my knowing to 6.4 % interests. Not only that but my loan and contract was signed between me and the XXXX XXXX no other interested party signed the contract. Yet they gave/sold my contract to Community Bank N.A of XXXX NY but they never signed or agreement directly between me and this Community Bank N.A . 15 usc 16 if no meeting of the minds and no wet ink signature from security interested party than the contract is void and unlawful. The loan is Fraudulent and highly preditory lending. Im paying under threat, duress and coersion. I never signed a contract with Community Bank N.A they simply used my credit and tried to charge me for a loan on an automobile that was never there's to begin with. Can't buy debt with debt. Corporations can't loan debt or credit. They are the trustee, I am the beneficiary and consumer. I gave myself a loan with my credit. You can't loan me money if there is no lawful money. HJR 192 all debts public and private belong to the United States of America. I signed a contract retaining all my rights ucc 1-308 all rights reserved. The alleged automotive loan is fraud and in violation of 15 usc 1605 ( a ). 15 usc 1692 ( d ). 15 usc 1635. 15 usc 1603. 15 usc 1692A. I've sent several certified mailings asking for them to show proof there is valid debt or loan amd if they cant prove in writing to cease and desist from reporting andcattempting to collect this debt. I also sent them certified mail letter explaining that they have 20 days to pick up said vehicle or it will be considered an abandoned Motor vehicle and under PA law would be lot fee for every day that it sits. And to get it back they would need to pay the fees and return my alleged Down payment they Fraudulent stole of {$2800.00}. {$16000.00} of lot fees. Community Bank n.a Failed to respond to any registered mail sent affidavits in XXXX, XXXX and XXXX asking to validate the debt and to cease and desist from reporting this fraudulent loan on my consumer credit reports and stop trying to collect on an alleged debt that they were paid from the Treasury for from my credit. As we all know an unrebutted Affidavit after 30 days stands as truth in commerce Under the Uniform Commercial codes, and 15 usc, fcra.
Consumer complaint received 2022-02-01
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (CA)

After a data breach, I was given a free access to Equifaxs XXXX XXXX XXXX by the breached organization to prevent identity theft. 

As part of signing up, I had no choice but to consent to Equifax sharing my data initially. But the GLBA privacy notice said I could call a certain number to limit some sharing. I called and spoke to 5 representatives - 2 of which booted me to the main phone prompt menu when they couldnt help me, and 3 of which said I couldnt do this by phone. None of them seemed to have training on how to opt out of this affiliate marketing. This privacy notice is therefore misleading and should be revised, with an accurate notice going to all enrollees about how to exercise their rights and stop this data sharing.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Hi, I receive a alert from my phone while I was putting both of my baby to sleep while my wife is on dialysis due to chronic XXXX XXXX Stage XXXX End Stage. My phone got an alert that pop up and It shows there is a payment of {$650.00} to XXXX that has been transfer to XXXX ( XXXX ) XXXX which I am not aware of and I am disputing this transaction as it is not authorized by me. I reach out to Chase claims department and they said their is nothing they can do about it and the transaction was authorized which is fraud. Can you please help me get my money back? I am located in California and XXXX area code is in New York?
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (ID)

I had purchased XXXX XXXX digital giftcards from giftcards.com. After attempting to use the cards the number could not be found and after a few attempts just said zero balance. I contacted XXXX they had told me that they could see there was a balance on the cards but the cards were never activated. I then contacted giftcards.com and told them that and thier response was to contact XXXX again as they have nothing to do with it. I now have a XXXX investigation into my giftcards and waiting for response. I have since decided to just attempting to get a refund from giftcards.com. They claim they need to contact XXXX. After further review they had told me that the giftcards had no balance and could not process a refund. While it sounds like XXXX is doing what they can do giftcards.com is just attempting to Rob me of my money and could seem to care less. I have transcripts of proof from XXXX collaborating what I had told giftcards.com. Yet they still seam to want to do nothing about it.
Consumer complaint received 2022-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE BANK USA N IS REPORTING FRAUDULENTLY ONMY CREDIT REPORT. THE CHARGES ARE FRAUDULENT THEY WERE NEVER DONE BY ME. I HAVE NEVER AUTHORIZED THE CHARGES. I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE ITEM REMOVED FROM MY CREDIT REPORT. 

PLEASE NOTE THE CAPITAL ONE BANK USA ACCOUNT IS FRAUDULENT AND THE CHARGES ARE FRAUDULENT. 
I HAVE REPORTED THIS TO THE LAW ENFORCEMENT AGENCY TO THE FAIR TRADE COMMISSION. NOT SURE WHO ELSE I CAN CONTACT TO HAVE THE FRAUDULENT ITEM REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-02-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-02-01
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. (GA)

As of XX/XX/XXXX the account with the creditor XXXX  XXXX XXXX was deleted off of my credit report. On XX/XX/XXXX I received mail from a creditor XXXX stating this is an attempt to collect a debt. Thing is what debt do I owe them? I never signed any agreement with XXXX XXXX I then sent them a Validation of Debt and a Cease and Desist letter certified and requires a confirmation signature which I yet to receive or any documentation that validates that I owe them anything. On XX/XX/XXXX I received a email alert that there's been a change to my Experian credit report. I log in and see my score had decrease and a Collection account has been added to my report. First by law Experian was suppose to inform me that something was about to go on my credit in written form. Never received that. Second XXXX/ XXXX has yet to validate this debt but Experian allow them to place a CollectioXXXX account on my credit reporting report. Experian failed to follow the law as a Consumer I have rights 15 U.S.C 1681i ( b ) ( i ). Because they failed to do this I request that this account be deleted back off my credit report and update my file. This has caused me a great amount stress because I am working really hard to stay the course and these credit bureau to feel like they have the right to add something on your report without Validation is crazy and unprofessional because they are aware of the laws and the rights as consumer and I have already dealt with this creditor and the account was removed.
Consumer complaint received 2022-01-30
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. (AL)

I AM A VICTIM OF IDENTITY THEFT.SOMEONE STOLE MY IDENTITY. ITS CAUSING ME SO MUCH HARDSHIP. I HAVE BEEN TRYING TO BUY A HOUSE AND THESE FRAUDULENT ACCOUNTS ARE CAUSING ME A HARDSHIP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion is blocking me from unfreezing my credit, this is the only company that gives me a hard time when I try online it gives me a suspended screen. Also when I can it say that its unable to process the request. and hangs up its going on for about a week now. I have my XXXX digit pin, I don't see why I need to talk to someone overseas " their customer services '' to do a simple unfreeze without trying to get a subscription. Also you are reporting inaccurate and injurious credit information. As you are no doubt aware, credit reporting laws ensure that credit bureaus report only accurate credit information. Please delete this misleading information in order to show my true credit history.15 USC 1681a ( XXXX ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this need to be removed now. 
15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. 
15 USC 1681a ( XXXX ) ( b ) Exclusions from a consumer report include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have never given any authorization or approval.15 USC 1692b ( XXXX ) you may not state that I owe a debt. 
Furthermore, I request that you send a corrected copy of my credit report to me and all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

In XX/XX/2021 I made a mistake by sending a balance transfer payment to Apple card from XXXX. I called Apple regarding the situation and they told me that they could do a payment dispute which would send the money back to XXXX which is what I wanted. The transaction was reversed on XX/XX/2021 but the funds were never credited back to XXXX. After 2 payments disputes to figure out where the money went and me calling several times, I finally got a resolution but the one I wanted. Apple card supposedly sent the funds to an account that did not belong to me which I don't know how that was possible. After two months and several calls with managers and complaints, Apple card sent me a cashier 's check for {$2000.00} on XX/XX/2021. Because they sent me a check instead of crediting XXXX, XXXX was not able to reverse my {$78.00} transfer fee. I have called many times of this issue and no one at Apple card takes responsibility and I can not hold anyone accountable. It should have never taken 2 months or a payment dispute to have my money refunded. I have asked for someone with authority to call me regarding the issue and not once have I received a call.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent disputes to XXXX, Transunion, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

Date:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by American Express On XXXX applied for The XXXX XXXX  As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (NC)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
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. (CA)

Last year I discovered a false account with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX refuses to stop reporting. They are removed from XXXX. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

AN ACCOUNT WITH CAPITAL ONE AUTO HAS BEEN OPENED IN MY NAME WITHOUT MY CONSENT. I DID NOT GIVE PERMISSION FOR THIS ACCOUNT TO BE OPENED. THE AUTO LOAN IS FOR THE AMOUNT OF {$44000.00} IVE CALLED THE CREDIT BUREAUS, CAPITAL ONE AND IVE WRITTEN LETTERS WITHOUT ANY CHANGE. THIS IS CAUSING A GREAT DEAL OF HARDSHIP.
Consumer complaint received 2022-02-01
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. (NY)

XXXX XXXXXXXX XXXX {$11000.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off 30 Days Late 60 Days Late XXXX XXXX XXXX  {$0.00} Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX30 XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX