davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (NY)

Bait and switch tactics. Loan rate clearly stated for those who meet the requirements which I do. Rate provided was not even close to the offer stated in writing. Additionally they placed a hard inquiry which lowered my credit score that will now hurt my rate provided by legitimate lenders. If a company puts a rate in writing, states requirements and then offers something completely different is unethical and should not be permitted, Rategenuis did just that, bait and switch.
Consumer complaint received 2024-04-08
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. (PA)

There are ( XXXX ) Financial Institutions reporting accounts in direct violation of FCRA Section 6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information not be disclosed to such third party, and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. 
These ( XXXX ) financial institutions failed to inform principal that it would be reporting principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 USC 1681 ( a ) ( XXXX ) Exclusions Except as provided in paragraph ( XXXX ) the term consumer does not include ( i ) reporting containing information solely as to transactions and experiences between the consumer and the person making the report. Remove the ( XXXX ) listed accounts from my consumer file. 
XXXX ) XXXX XXXX # XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX # XXXX XXXX ) XXXX # XXXX. 
In advance any accounts listed that are not removed/deleted I am requesting in this dispute a Description of the Procedures used to verify in accordance with FCRA 1681i ( 7 ) / FCRA 611 ( a ) ( B ) ( 6 ) ( iii ).
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contacted Transunion customer service and refused help on getting hard unauthorized inquiries deleted from my credit report today XX/XX/23. The following inquires should be deleted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and Experian do not have my consent to furnish this information, per privacy act of XXXX am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I was contacted by XXXX XXXX They told me that they purchased the account from XXXX XXXXXXXX XXXX. I was instructed to pay the amount due within 30 days or they would report it to the credit bureau. I paid the amount due and received a letter of satisfaction. 

The status is being reported as unknown in place of paid in full. 

XXXX credit stated that they did not report to the credit bureaus so I needed to contact XXXX XXXXXXXX XXXX  who last reported to make the changes. 

I attached letter of satisfaction.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your Capitol one account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe capital one, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FirstPoint Collection Resources (MN)

I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your XXXX XXXX account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe XXXX  XXXX, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam
Consumer complaint received 2023-06-10
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. (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. 

Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : STATE OF MDXXXX  Account number XXXX Account name XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX  Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number 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 an 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 2024-04-08
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: Experian Information Solutions Inc. (VA)

To whome it may concern ive requested documentation from Experian on a account and public record, the public record isnt mine and the account with InFirst fcu Experian says Im late Ive called the bank XXXX XXXX the manager of the loan department says no you arent lat nor have I ever been late experian is also showing the account was closed and transferred in XXXX of 2023 this account was paid in full on XXXX the other XXXX bureaus have all the correct information Experian does not comply with the FCRA LAWS by law they need to have and show documentation of there investigations and findings and supply them when asked by the consumer! The public record isnt mine Ive reached out to lexis nexus the dont have nor show a bankruptcy on file or that Ive ever filed experian still refusing to remove it XXXX and XXXX XXXX has no public records on me as they shouldnt i need this to be fixed resolved and removed from my credit file asap It has cost me lots of money and problems. 
My next step will be intent to sue on every violation on my experian report Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please have them remove the public record and update the XXXX XXXX  account immediately the XXXX account in question has a starting balance XXXX thank you for your time
Consumer complaint received 2023-06-17
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: Halsted Financial Services, LLC. (DE)

I do not know who this company is, I don't have an account with this company. I have NEVER made a charge on any account that I have for more than {$250.00}. See the copy of the email below : ______________________________________________ XXXX Unsubscribe XXXX ( XXXX minutes ago ) to me Budget friendly choices for you. 
View My Options Dear XXXX, XX/XX/23 Per our prior communication, your XXXX XXXX XXXX, XXXX. account is now being handled by our office. You do have payment options which can be viewed at XXXX 

We have limited time to work with you before returning your account to our client. 


We provide flexible payment plans to create the easiest possible path forward in paying your debt. 
Flexible Payment Plans -> Your account is in good hands with Halsted Financial Services . Our portal is safe, secure and easy to use anytime, anywhere. 
No Muss No Fuss -> We are your ally in resolving your debt. We may be able to help you resolve your debt for less than you owe. 
Offers and Potential Discounts -> Credit Reporting Notice It is the policy of XXXX XXXX XXXX , the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$820.00} Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

Hours of Operation ( XXXX ) : Mon-Fri ( XXXX ) & Sat ( XXXX ) Address : XXXX XXXX XXXX XXXX, IL XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

To stop receiving emails please opt-out here info.halstedfinancial.com
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (KY)

On XX/XX/24 we deposited {$730.00} into our checking account. When we went to pay for our car tags our card was declined. We went to bank ATM and could not withdraw funds. We went inside the bank and was informed there was a hold on our account due to it being overdrawn. This has never happened before when we had been overdrawn. Then we were told our money would be available the next day, Saturday, it wasn't and when we again contacted the bank we were told that it would be late Sunday or Monday morning when bank opened. As of XXXX XXXX  on XX/XX/24 we still can not access our funds, we have been told now that it maybe Tuesday or Wednesday before funds become available. Our creditors want to be paid and this will make us late on payment and even cause repossion of products we need. This is highly unacceptable, and we should not have to wait 3 days for money. Also we should not be charged for mobile deposits, which are never the XXXX but our checks are always the same mount. Regions Bank is the worst bank ever.
Consumer complaint received 2023-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I scheduled to have a company come out to conduct a specific service. 
They showed up collected my information and said they needed to leave to get equipment to do the service. Long story short they never came back and I tried resolving this with the company over the phone but they refused to come to the work as outlined on our predestinate. 

When I saw a charge show up on my card I filed a dispute with my credit card company. When My credit card denied my dispute the first time they told me I need more information on XX/XX/2023. I wrote down everything they said I needed and after investigating the matter further I found the company took my digital signature off my pre-estimate and applied it to a charge receipt. 

I filed a police report and reached back out to capital one informing them of the new information. Capital One gave me wrong information through out the process on how to handle this dispute then denied my dispute. They protected the company committing the fraud and not their customer. 

They told me to take it up with the police or other means. I find this to be criminal on their part as well for facilitating this criminal activity by doing nothing.
Consumer complaint received 2024-04-08
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$0.00} ; UXXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-18
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: CITIBANK, N.A. (PR)

Hard inquiry from ( Citibank Na best b Televisin and radio ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019.

Both inquiry wasnt made from me, I was advised by XXXX XXXX.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Complaint is specific to monthly service fee on my Chase Bank checking account for $ XXXX. 

I reviewed statements as far back as XX/XX/2016 and have received a {$25.00} fee each month. Doing the math, XXXX XXXX XXXX {$25.00} = {$2100.00} that Chase has just been taking from me with no notification. 

I have never received anything in writing with an explanation of why I am receiving this fee. I have never received an email or an alert on my chase app. 

When I called to discuss I was advised they would refund one month and would log the formal complaint. I inquired if I would receive any acknowledgement of the complaint or resolution and was advised that I would not. This seemed insufficient to me, which is why I am filing this CFPB complaint
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.