davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
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. (NC)

I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.
Consumer complaint received 2023-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (LA)

The interest rate that I am being charged is well above the industry standard and is causing me a great deal of financial strain and stress. The company is Santander Consumer USA , INC. In 2021, I spoke to these people about the outrageous interest rate charge, but they did not care and would repossess the vehicle if not paid. We had to pay because my husband needed his vehicle for work and it was a struggle every month. We were barely getting by and then my husband is now fighting XXXX and we notified them again about high interest rate and that the vehicle is for my husband to attend physician visits and more but every month the bill comes the balance of $ XXXX does not go down. With payments of {$880.00}, {$180.00} goes to the principle and {$690.00} goes to interest, we will never see it go down. We have so much to deal with regarding my husband 's illness and I am his wife, support system, caretaker, and handling all household duties, chores, and looking and writing for resources and I am about at a breaking point. This company is heartless and is quite ugly when they are on the phone. They agreed to give us 2 months break in our payments but said that will just be applied the end payment for XXXX and XXXX of this year but are not willing to extend anything further.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (KS)

I received a random message from a lady XXXX from California to discuss cryptocurrency investment and having more growth opportunities in the future. I wasn't interested at first and somehow got convinced after continuous follow up. I started doing this with a minimal amount of XXXX  . This is the company this lady referred to me and it is a crypto trading platform. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I set up the account and did trading. And, Invested in their staking options. All were going well, and able to withdraw the crypto and convert it into XXXX and deposit it into the bank account. It proved to work end to end. So, I believed more and started investing more. I was influenced to invest more to make more money as part of the XXXX merger that happened in XXXX 
I invested about XXXX, and the lady lent me XXXX thru crypto and did trading, and my account was more than XXXX in the middle of XXXX. This lady XXXX also funded me as XXXX XXXX. The deal is to use her as a referral so she will get the bonus benefits, and also, I should be paying back her fund as i start getting the staking bonus every day. I have been doing this for a month. Meanwhile, there was an offer from the crypto company that if I invested more than XXXX, I would get 50 % of that as an investment bonus. Also, this lady said she could help me pay XXXX. So, I agreed to invest XXXX to get a bonus of XXXX. She paid only XXXX and the remaining, and she can't help due to cash flow issues from her side. So, she continuously pushed me to pay the XXXX to get the bonus before the due date. I did it and got the bonus, and currently, my account shows XXXX. I tried to withdraw XXXX, and the issues started. They locked my money, claiming I was using another account and using the same device to login and committing fraud with their system and I was asked to pay XXXX as a penalty which is XXXX XXXX of XXXX profit I received. I reached out to their customer care ( only via chat and they don't have direct contact ph number ), and asked if they could deduct from my existing money and pay back the remaining, but they refused and asked me to pay the XXXX to withdraw the money. This is where I started as a victim, and here I am now. 

I sent all my crypto coins via crypto.com XXXX deposit thru crypto XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX Total= {$290000.00} I have created a dispute against this issue using XXXX. This is a paid service and I have already paid XXXX as an advance to create a dispute against my case to recover my money back.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (MO)

I opened a checking and savings account with the the promo of getting {$250.00} deposit after 30 days but it's been over 60 days. I've called numerous times but I can't get any results. Every representative I've spoken to admits that I've completed the requirements and I'm due this money but unfortunately I just keep getting call back promises but it never happens. I don't know what else to do.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (GA)

there are multiple bank accounts that were opened with several financial institutions that are stemming from identity theft these accounts are being reported on my consumer reports with early warning and XXXX XXXX these reports are inaccurate and in violation of my consumer rights and fcra policies ive hired a legal team to persue legal action for several violations
Consumer complaint received 2023-04-25
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. (LA)

On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX. There also is a a collection account from XXXX XXXX, XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance
Consumer complaint received 2023-04-06
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)

In accordance with The Fair credit reporting act the list below have violated federally protected consumer rights and confidentiality under 15 USC 1681 XXXX XXXX XXXX 15 USC 1681 602a there is a need to ensure that credit exercise their grave responsibilities with fairness and and respect for the consumers right to 15 USC 1681 section 2 subject to subsection c any consumer reporting agency May furnish a consumer report under the circumstances and no other in accordance with the written instruction from the consumer to whom it relates also 15 USC 1681 section 281 reporting information with actual knowledge of errors of person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable doubt to believe that the information is inaccurate
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (TX)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm a victim of the XXXX data breach and have these accounts fraudulent and need to have them removed immediately I filed a identity theft report with the government pertaining to these accounts that were resulting from the XXXX data breach I have attached the accounts I'm disputing for removal the documents from my identity theft reports Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$98.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$790.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$300.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX  Account Number : XXXX Date that I discovered it : Total fraudulent XXXX {$840.00} Fraudulent Checking or Savings Account Company or Organization : XXXX XXXX Account XXXX : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report
Consumer complaint received 2023-04-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00}
Consumer complaint received 2023-04-15
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. (GA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXBalance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$20000.00}, XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA agreed to defer payments during the Covid 19 pandemic for me, however they still reported to my credit account as late several months in a row at the start of XXXX. I have called, emailed, written them and they refuse to fix. I immediately paid this account in full as soon as I got back to work. 

This is really hurting my score and preventing me from being able to progress anywhere with my credit. 

Under the cares act this seems incredibly illegal, all of my other creditors were able to defer and make arrangements for me. USAA has been horrible to work with. The assistant to the CEO just calls and says " sorry theres nothing we can do. '' Please help, this has been a nightmare.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

In XXXX XXXX. I had bought shoes worth {$300.00} using XXXX, linked to my wells fargo debit card. from my neighbor and he stated the shoes were legit, After a couple of hours I had them legit checked from a local sneaker store and turned out the be fake. Next day, XXXX XXXX. I contacted my neighbor stating the shows were indeed fake and I want my money back and Ill return the shoes, he just kept giving me run arounds saying they are real when they are not fake and he claims the person from the sneaker store was lying. I also had them checked on sneaker groups and all said the same. I waited for about 10 days for him to give me my money back till I file a dispute from wells fargo so XX/XX/2023. I decided to contact wells fargo and filed a dispute and they investigated for a couple of days and they denied my dispute on XX/XX/2023 according to them it was because I paid using XXXX. But it was linked to my wells fargo account.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2023-04-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Hello I leased a used car through XXXX XXXX XXXX sales XXXX Tn. I purchased this with a credit lender Credit Acceptance back in XXXX. This loan was supposed to only be a {$8000.00} loan which the total of the car was {$6900.00} with the Lender giving the funds would equal an extra {$2000.00}. The loan now totals a {$18000.00} loan which I feel I have WELL over paid for this car which is a XXXX XXXX XXXX the remaining balance is {$6000.00}. The day that I purchased the car the car lot initially told me I would only need {$2000.00} down but I did end up giving a little more so that I could have a lower monthly payment. Which is actually far from the truth because the money is going towards interest and not the actual amount I owe. I have been paying this car off for almost XXXX years and when I went to pay off the remaining balance that my interest rate was 22.3 % which was never agreed on! I dont know how a {$7000.00} car is worth {$18000.00}! The lending company refuses to allow me to pay off the remaining balance. I have tried reaching out to multiple managers to settle my debt with them. Each month they are adding extra fees when I have well OVER PAID this car off. The car lot has now since went bankrupt and I have no way of refinancing or anything with this company. I am just wanting to settle with the company I have paid what the car is worth plus some. If there is anyone able to help me settle this dispute or if there is any refinance options please.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-04-07
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. (SC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX : {$2000.00}, XXXX XXXXXXXX Balance : {$1200.00}
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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  account # 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.