davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (FL)

on XX/XX/XXXX XXXX had an issue with applying for a XXXX XXXX and COMENITY doesn't give you any info if they have received or are processing the request for a XXXX XXXX and use a XXXX code. I then had to spend hours on the phone and ended up with XXXX speaking to XXXX who was very helpful in freezing my account and updating my INFO. 
SHOCKED that my XXXX was wrong and other stuff and at XXXX had never had an issue and never pulled any info due to issues with credit score etc so I never bothered. Meanwhile, I have multiple applications over the years for credit and never a problem due to the source checking all the facts and the last being XXXX XXXX XXXX  with this video on my phone of my profile etc - saying my SSN over the phone where people could hear and other sensitive info. So that was earlier this year and buying a car in XXXX so something should FLAG THIS and be verified if there is a mistake and just gets overlooked? 
Meanwhile I get turned down basically for this instant XXXX credit per se. SINCE I was informed by text thaXXXX XXXX XXXX XXXXXXXX approved a credit app for XXXX XXXX XXXX XXXX and called them and had it removed. I then called XXXX- they show the COMENITY soft inquiry and I advise of a credit text from XXXX XXXX this isn't showing up on my report so guessing my XXXX was hacked or the XXXX is hacked. There is a multitude of issues, but just starting with my XXXX problem for now, I received XXXX letter today and wants me to call within 14 days. I'm not sure why they can't process in store but using phone isn't safe with XXXX. We need to stop this process. Many hours on phone and no one really cares and now I know I need to check my credit report for accuracy. Also my score is down so how do they know what my income is. I'm married so no questions or info verification is shown and guessing they look at my SSN. This is too confusing since I don't have a single blemish on my credit and I'm not overextended as I pay off everything and really isn't very clear to me what these standards are. Not pleased with their assessment of my credit. Used to be in XXXX 's! I did apply for this in my name only as well as the furniture so not clear on that issue either,
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry XXXX XXXX
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc. (IL)

Early XXXX I was looking at my contract notice some things that didnt seem accurate so I requested original documents from dealership & financial department of creditor I then found some alarming errors or misleading information that can be considered to be fraudulent such as but not limited to the price charge of the listed vehicle which was priced at XXXX which turned into XXXX without any notice or reason see attachment, so on about XX/XX/2024 I sent a rescission of contract along with a affidavit of truth which were not responded to, an affidavit unrebutted become truth of the matter I stated in such letter that notice upon receipt of such letter that financial company/dealership shall return any property or money given as earnest money, down payment, or otherwise, take any on necessary or appropriate to reflect the termination of any security interest created under this transaction
Consumer complaint received 2024-07-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank 9 month lock on a CD at 5 % equals {$1200.00}. 
Coming to maturity XX/XX/year> and they want to pay me {$9.00}... Yes they want to buy me a cup of coffee after using my {$25000.00} for the last 9 months!
Consumer complaint received 2024-07-20
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (HI)

Credit karma has set up an account for me without my consent.looks like it started XXXX or XX/XX/XXXX. XXXX emails so far. My score went up XXXX points how do they know? Now everybody knows. I can't stand them I don't need them pounding my NEW email with personal info that I don't want them to have. Just because you're a credit XXXX service doesn't mean you have the right to shove your credit XXXX services down my throat or clog up my email. I'm perfectly fine with my XXXX XXXX XXXX  and I know how to monitor my credit. Data breach = class action lawsuits. Tell them to XXXX XXXX and stay the XXXX  out of my reports. Thank goodness I've filed bankruptcy XXXX times and don't have to worry about identity theft. My complete social security number is on blast for the whole world wide web thank you child support enforcement agency. And according to social security it's ok for them to do that. XXXX XXXX XXXX But that doesn't mean I want credit karma pounding my email with good news on my credit that's trashed forever and ever. Tell them to mind their own business. Or I want a new social already. This is XXXX. Data breach what a XXXX term for we have an employee who wasn't honest and sold your info. Or child support forgot to buy a XXXX cent marker and REDACT. My social did nothing to improve my payments so XXXX. But yeah if you know any XXXX looking for instant XXXXXXXX XXXX go to the XXXX XXXX XXXX XXXX. All my info and every case is there for the taking. Thank you state of hawaii.Probably where credit karma got my info. XXXX XXXX XXXX look it up XXXX hawaii. Right on.
Consumer complaint received 2024-09-05
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)

I've been a victim of XXXX, and now there are fake accounts and debts under my name. I would really appreciate it if you could look over my credit report considering this situation and help fix any mistakes or fraudulent actions that have taken place.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974
Consumer complaint received 2024-09-05
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (MO)

I got XXXXXXXX XXXX  to take a loan and contact the advertiser about the loan. A person by name XXXX XXXX replied on XXXX XXXX. His XXXX profile stated that he lives in XXXX, Indiana ( XXXX XXXX XXXXXXXXXXXX 
XXXX ). After we chat on XXXXXXXX XXXX XXXX, he asked me my email address to send me an application. After I got an email application form, I filled, signed and replied the application to XXXX XXXX XXXX. Next day I got a call from XXXX XXXX with caller XXXX XXXXXXXX. XXXX stated that my application approved and need to wire transfer {$14000.00} origination fee. I told him that I have to wire the money using third part escrow service. He stated that escrow company called XXXX XXXX XXXX will invite me to create online profile and use there escrow services. I got email from XXXX XXXX XXXX XXXX asking me to create online portal account. After I created online portal account, I got another email from XXXX XXXX XXXX XXXX asking me to wire transfer the money to Bank Name : Citibank Account Name : XXXX XXXX Routing XXXX Account Number : XXXX Account type : XXXX XXXX Address : XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX I wired transfer the money on XXXX but XXXX told me on XXXX that the escrow company didn't receive the money. I believe I frauded. 

I take below steps to recover my money. 
XXXX : Contacted Citibank, XXXX : Attempted to report fraud activity to Citibank and also requested wire transfer cancellation or refund. The bank rep advised me to contact my bank instead and report the fraud to my bank. I reported to XXXX XXXXXXXX as soon as I hung up. 

Since I didn't receive no refund yet, I called XXXX XXXX XXXX department for refund status on XXXX : XXXX XXXX XXXX department rep stated that the bank requested take back but didn't receive the money yet. I also attempted to report fraud activity to Citibank second time. However the Citibank rep not even willing to file fraud claim.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one ended relationship with me for no reason they never told me why it was ended and refuse to give me an answer first rep I talked to didnt help at all didnt offer any help so I asked for a manager! The manager on the other hand was extremely rude like extremely extremely rude I would like this man fired! But idc my main concern rn is I want my money back they said it could be 1 month 2 month or even a year or two this is illegal I got bills to pay that was my main checking account! This isnt legal and not in FDIC rules this is also highly illegal! I already contacted a lawyer and will be sueing if my money isnt return to me! And I will be sueing for more in compensation! I dont even care if I cant use capital one anymore after this experience so go ahead and close my account! I also told the rude manager I will be contacting the cfpb and he seems like he didnt care and said go ahead
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MO)

I received a promotional offer in the mail. 
XXXX check said 0 % good till XX/XX/XXXX and the other check was for 1.99 % good till XX/XX/XXXX. The checks had to be used prior to XX/XX/XXXX. The check page stated, the standard fee for balance transfers is either {$5.00} or 5 % of the amount of each transaction. The other page stated there is a {$5.00} or 5 % fee whichever is greater for balance transfer. 
The check page made it appear the fee was for balance transfers. I called Chase Credit Card and said I am not doing a balance transfer, it is for a new Heat pump unit, is there a fee for that type of transaction, she said No. The promo should stated There is a {$5.00} fee or 5 % fee for using these checks!! Its misleading and customer service validated no fee! They say their calls are recorded so I have proof.
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2024 My vehicle was repossessed. I was told by the bank that the vehicle was repossessed due to late payments, granted my payments were slightly behind but I was also told that my payments must be 92 days behind before a repossession will be put out on my vehicle. 2 months ago I spoke with the bank and made an agreement to pay {$5.00} to {$600.00} a month and tell the payments were caught up I made those payments in the following months. I received a promotion on my job and because of that my payment this month would have been able to allow me to pay off the balance.At the time of repossession my payments were exactly 91 days behind and in the midst of this this is the same day that I was going to call the bank to pay the past due balance because I had just received my paycheck. After the vehicle was repossessed they then required that I pay additional fees of late fees to redeem the vehicle along with the past few balance and tow fees. I am willing to pay my past due balance and the tow fees but at this time I am not able to pay the balance of the late fees. if I would have paid the balance past due on that day My vehicle would not have been repossessed because I would not have been 92 days past due I will agree to make a payment arrangement on automatic payments if necessary to pay the late fees I also informed the bank that I just received a new position on my job that requires me to travel for my promotion and that I have an elderly father that does not live near me that I have to take care of due to the passing of my mother XXXX years ago
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (WA)

I have a US Bank Platinum Visa Card.

For the last XXXX months- if not more - I have been charged double interest in the amounts of {$37.00} & {$27.00} on XX/XX/year> and again on XX/XX/year> in the amounts of {$33.00} & {$30.00}. 

I have never in my life taken out a cash advance or done anything else that would require me to be charged twice for interest each month. The bank has been of no help solving this either. 

They also are not willing to extend the grace period to help me pay it off as that was another suggestion I had to resolve the issue. The response was a rude " No, if that was the offer - that's the offer. It doesn't change. '' I've has so many issues with US Bank that it's getting out of hand.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ZWICKER & ASSOCIATES (AR)

Zwicker and Associates has placed a judgment against my home that has prevented me from refinancing and have now frozen my bank account on a settled amount that was negotiated by a debit consolidator company that I discontinued service with that let to XXXX of XXXX payments being missed with out my knowledge since at the time I didnt not realize the debt consolidation had POA over the settled amount with the collector.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.