davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (WI)

In accordance with the Fair Credit Reporting act 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 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 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 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 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 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 Status Collection account. 
, 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 In Equifax 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I got notified by a credit protection program with XXXX that a new inquiry had been requested about my credit at Bank of America. When I spoke to them, they assured me that they took care of the issue and went through the Proper channels to deny the new account. Weeks later I receive a credit card I did not apply for in the mail from Bank of America. When I called Bank of America To dispute the card I later find out that they allowed three more accounts to be fraudulently opened in my name. When the initial incident occurred I put a freeze on all of my credit but evidently the new accounts were opened long after I put the freeze on my credit. How these accounts were issued after there being a fraud alert and notations on those false accounts with my name, I have no clue. This is deeply concerning. To know I took all of the necessary precautions to avoid this from happening again Bank of America still was able to issue cards fraudulently to individuals attempting to steal my identity. This is very unsettling and makes me question the practices of Bank of America. To this day I still have to check in with Bank of America and other reporting agencies to ensure my identity is protected. This has been a nightmare. Just to note Ive never opened an account with Bank of America.
Consumer complaint received 2023-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Back in XXXX I bought a car from credit acceptance XXXX XXXX XXXX after then XXXX I got sick I went to credit acceptance and asked do they have XXXX insurance on this long and they said not on this particular loan don't have XXXX insurance so they put me on a payment plan. XXXX I got sick again and was in the hospital for a very long time had to go into XXXX XXXXXXXX with the car I have been paying on it up until this year early part where I got sick again and couldn't no longer make the payment in bankruptcy and they dismissed it credit acceptance repossess the car and XXXX I mean one payment on it to get it back then they said after I got it back I had to pay {$480.00} almost {$500.00} a month for the next 3 years on a car that is not even worth {$9000.00} they say I know for for back payments are in pay {$17000.00} into the car I'm not going to pay his car until XXXX they need to make an offer with me so we can get this settled this was very prepended on their part not to have a XXXX insurance on these loans
Consumer complaint received 2024-06-06
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. (GA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I never lived at no XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My Currant address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. 


Also, The XXXX XXXX XXXX is Settle in Full. 

XXXX XXXX XXXX is Paid in Full. All of this should been updated.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MD)

It's with a deep concern I'm reaching back to you to bring to your attention a mishandling of the fraud review case I've notified you about on XX/XX/XXXX. 
Stolen personal information had been provided to open the loan account on XX/XX/XXXX. 
I've found out about the loan by looking at credit report on XX/XX/XXXX, called XXXX and reported fraudulent case. 
Over the next 6 months I've been calling XXXX on a regular basis trying to resolve the case. Following are facts : XXXX. XXXX has recordings of all calls, including the original call when the impersonator provided contact information recorded by you that is NOT mine. It should be evident from such call that XXXX party individual opened an account in my name fraudulently! 
2. At the first place, the XXXX issued a loan to an individual with XXXX  % of credit utilization!!! At that point no other financial institution would issue a credit, but for some reason this fact didn't stop you from issuing a credit at XXXX XXXX XXXX 
3. Every time I contact XXXX I get confusing and conflicting information with a pledge to provide me with updates via Phone and email. Every time I'm being explicitly asked about my contact information and contact preferences, however XXXX time and time again fails to act on this collected information. 
4. For the last almost 6 months of this dispute I still have not received any detailed information about the loan. 
5. When I've submitted a complain with CFPB, XXXX closed the complain right away without a review and just provided with XXXX customer service phone number. 

Therefore I found that : XXXX. XXXX does NOT do sufficient research BEFORE issuing credit. 
XXXX. XXXX collects PII information that is not well recorded or doesn't have clear purpose as the company does NOT act on it and collects the same information at every call. Therefore it's not clear HOW the collected PII information is used. 
XXXX. XXXX does NOT communicate details about loan information in clear understandable to customers manner. 
XXXX XXXX  is inconsistent with information shared to customers via phone compare to mail resulting in confusion.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of a credit takeover that began in XXXX of 2021. 
I received a letter in the mail from Synchrony Fraud Team, indicating that I had opened a Lowes credit card ending with # XXXX. 
I advised Lowes I had never requested, possessed or made payment on this card. 
Billing statement for card ending in # XXXX, is showing an address of XXXX XXXX XXXX, XXXX XXXX XXXX which is not mine Lowes also allowed additional credit cards to be opened in my name which I did not request, or open. These cards ended in # XXXX, XXXX, XXXX, and XXXX. 
These accounts have already been noted by their company to be fraudulent. 
Company is refusing to recognize # XXXX as also being fraudulently opened.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (KY)

I got a credit denial letter in the mail at an old address where I can still receive mail, from chase bank. I called customer service on Sat XX/XX/2023 to get information to file the dispute as it was a fraudulent application. They could not tell me any information and advice I visit a branch. I visited a branch around XXXXXXXX XXXX XXXXXX/XX/XXXX in XXXX Ky, they could not find record of the account and gave me a packet with a number to call their ID theft department. I call this number they submit dispute for the credit inquiry but said they could not give me the information from the application and that she had to transfer me to another dept that could give me the information I was requesting. Which I have a right to under the fair credit reporting act. That number tells me that they can not provide that info to me and was trying to direct me to online. I requested a supervisor and she denied me that request and told me to call ftc they could give me the info and provided the phone number. FTC said that was incorrect and they could not provide that info that chase had to provide that. She referred me to file this complaint. I am being denied the application I supposedly applied for. I'm being denied the information used in the application. Denied information on whether it was applied in a branch or online.
Consumer complaint received 2024-06-03
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. (MI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

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 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I opened a Capital One 360 checking account. To make a long story short, I received a debit card that I'm not able to activate with them. They keep telling me that they have to submit a case to a business department internally. That process will take XXXX to XXXX business days. The issue is that my direct deposit has already been applied to that account, and I have bills to pay and I'm unable to access my money because I have no active debit card. This is completely Capital Ones fault and their mistake and they're refusing to rectify the situation at a timely manner. I need them to fix this issue they created. I made a decision to switch over to them for my banking needs, and now I'm unable to use my funds.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Someone open multiple FRAUDULENTLY checking and savings accounts in my name along with trying multiple account openings with different financial institutions. I Call both credit unions and couldn't get into the accounts as I didn't know any of the phone numbers on the accounts, online banking username and passwords or phone passcodes. XXXX advised me that it was a different mailing address use to open the XXXX account. XXXX wouldn't give out any off that information. 

FRAUDULENTLY NAME REPORTED ON CHEXSYSTEMS REPORT ( XXXX ) XXXX XXXX FRAUDULENTLY ADDRESSES REPORTED ON CHEXSYSTEMS REPORT ( 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 XXXXXXXX FRAUDULENTLY PHONE NUMBERS REPORTED ON CHEXSYSTEMS REPORT XXXX XXXX XXXX XXXX ACCOUNTS OPEN FRAUDULENTLY ARE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

My Venmo account is linked to my bank account. Someone virtually used my Venmo card without my knowledge and my account was overdrawn by over {$100.00}. I contacted my bank as well as Venmo to remedy this issue. My bank initiated an investigation but they determined that Venmo is fault and I must pursue them in order to get my money back. Even though I properly notified Venmo of the Unauthorized transaction, Venmo did not properly address my grievances, I do not believe they even filed the dispute or began any sort of investigation. It has been well over 10 business days, and nothing from Venmo. In the meantime I have accrued over XXXX $ in overdraft fees due to Venmo 's negligence.
Consumer complaint received 2024-06-06
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. (PA)

Equifax is Stalling because instead of sending the information I requested within 15 days required by LAW ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) they sent me a request for my Photo I.D . and Social Security number that I submitted ( 7 ) times all ready via CFPB Portal each time and an additional 3 times Via USPS.

Please see the PROOF with the CFPB Portal serial numbers as each included a screenshot of my Pennsylvania State Photo I.D . and Social Security Card. 
I received a letter in the mail today from Equifax XXXX XX/XX/XXXX. The bottom of the letter has 2 sets of numbers XXXX and XXXX XXXX. 
After my dispute regarding FCRA 602 which states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS. I disputed XXXX XXXX  # XXXX that is reporting illegally because I did not give Equifax any written instructions any PERMISSION / CONSENT to ILLEGALLY PUBLISH this account on my credit report.

When my dispute was VERIFIED I then submitted my request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which I am required by LAW to receive from Equifax in 15 Days. Equifax took more than 15 days and sent me NOTHING!!!!

Instead Equifax keeps STALLING and sent another request for my Photo I.D . and Soc Sec.Card. Please review the Proof below with the dates that I sent my I.D . already over and over again. 
XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX XXXX ) CFPB # XXXX on XX/XX/XXXX This is 7 times that I have sent a copy of my Photo I.D . and XXXX. A cursory check on CFPB Portal will proof I have sent my I.D . Info 7 times already. I am sending again in this CFPB Portal today. I want the information I am requesting, the name of the person ( s ) who is responsible for the investigation along with their telephone number and address along with ALL the records revealing the procedures used that led to verify the XXXX XXXX  account that Equifax Published in violation of FCRA 602 and FCRA 604 ( a ) ( 2 ) which states that a credit reporting agency can not furnish an acvount without my written instructions. Delete XXXX XXXX account from my credit report immediately. 
I will seek legal representation if coerced to.
Consumer complaint received 2023-11-30
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

The Claimant Terminated A USAA Federal Bank Checking Account {$350.00} by Final Disbursement by XXXX Mail and is Currently Investigating Fraud with XXXX XXXX XXXX  XXXX Fraud Department XXXX NC A Fraud Department Investigation is Currently Under FBI Investigation with An Unresolved {$12.00}. 50 Illegal STOP PAYMENT FEE that USAA Bank Fraud Agent is Investigating illegal Third Party Anti Trust ViolationXXXX XXXX XXXX XXXX XXXX New York NY The Claimant has Not Resolved this Character Assignation Malicious Financial Attack for THREE Years and Requires USAA Federal Savings Bank Investigate Fraud Waste and XXXX with Texas Attorney General XXXX XXXX Immediately! 
Investigate With Impunity XXXX XXXX XXXX XXXX DUE PROCESS of LAW