davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (IN)

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 for XXXX XXXX Account name : XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NV)

XX/XX/year> the company sent me a email where the XXXX XXXX anthem of name was altered by the sender XXXX XXXX. My name is in the national anthem as a XXXXXXXX XXXX XXXX.I am the XXXX XXXXr of the XXXX as a living XXXX XXXX XXXX of state of CA and the XXXX ancient society refuses to allow customer to use capitalism equipment cell phone web page while state issued XXXXXXXX XXXX XXXXXXXX name is approved for financial services and XXXX ancient is not with statute of liberty or national holiday St.Patrick 's day than behaving as public officers of capitalism against XXXX XXXXXXXX of communism free and clear state. The customers name is a public officers name issued by free and clear state of CA. I'm XXXX and the caucasian sociologist denies XXXX wealth to XXXX citizen with a forged family tree of XXXX XXXX ancestors with XXXX XXXX in a way while XXXX name has a mandate space character applied to name of communism with XXXX total characters total for full name and the XXXX national anthem plays before XXXX national anthem on website application. XXXX XXXX XXXX is patrolling mail of XXXX XXXX citizen without payment.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

I am filing a formal complaint against Innovis for reporting inaccurate information on my credit report. I demand that Innovis immediately cease and desist from reporting any information about me. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623 ( 15 U.S. Code 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the accuracy and integrity of the data they report. Innovis has failed to comply with these obligations, which has caused undue harm to my credit standing. I request that the CFPB take immediate action to enforce my rights under federal law and require Innovis to cease all reporting of my information.
Consumer complaint received 2023-08-03
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26
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)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding is trying to collect multiple debts from me on behalf of XXXX XXXX, a credit card I had years ago. I disputed the FIRST account with them and asked for proof of the debt, but wasnt given anything. That was in XXXXXXXX XXXX XXXX  I have recently started monitoring and taking care of whats on my credit report because I am trying to buy a house. I opened my FICO report, and this company has opened a SECOND *NEW* account for the same amount, same original creditor as the first collection account. But a different account number. I do not appreciate this, as my credit has taken a hit from a debt this company couldnt prove to begin with, let alone without my permission open a SECOND fraudulent account. I will attach proof of this. If you take a look at their reviews, they have done this to multiple people.
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

I have never swiped these cards nor have I ever made any of these transactions. I have spoke with LVNV/Credit Card company since the collections started coming in- it was going on for over a year of back and forth and took me 6 months to finally get someone who cared enough to get me transactions of the credit cards. Accounts : Account information for XXXX : Opened : XX/XX/XXXX Account charge off date : XX/XX/XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. Balance : {$1200.00XXXX XXXX reference ID : XXXX XXXX file no : XXXX Account information for XXXX : Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX. Current Owner : LVNV Funding LLC Reference ID : XXXX Balance : {$920.00}
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hereby swear that this is my personal statement that the inquiries listed are fraudulent and NOT originated by me and need to be deleted from my consumer reports pursuant to 15 USC 1681c-2. Also, please update my personal information to reflect accurate information only, pursuant to 15 USC 1681e ( b ). : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE Former Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gum Circle. DELETE Employer : XXXX of XXXX. : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX, H. DELETE Former Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX and XXXX, Account XXXX. DELETE INQUIRIES : XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX. ADD EMPLOYER : XXXX XXXX XXXX. ADD NAME : XXXX XXXX XXXX. 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX we were scammed by a business called XXXX XXXX XXXX  in conjunction with XXXX We paid them {$230.00} for what we understood was a passport and the expedited fee ( plus a {$15.00} fee for passport photos and a {$8.00} fee to print out passport renewal application ). Besides the services mentioned above, at no time did they provide any services for the actual passport or expedited services. They then told us we needed to take all of that i formation to a XXXX XXXX to complete the process. We went immediately to the XXXX where the XXXX XXXX told us we had been scammed because we were actually paying the passport fee and expedited services to the XXXX and they would file the application and documents for us. Which they did. I immediately requested a refund for The company, no response so i called Wells Fargo and reported the scam. I have also spoken the XXXX XXXX XXXX that confirmed that no services for the passport were actually provided by the XXXXXXXX XXXX  XXXX scam and they also advised to have our XXXX XXXX process a chargeback. Wells Fargo initially gave me a provisional credit but are now taking it away over a month later and charging it BACK to my account with no warning because the company denied the refund. Where is our protection from our bank? We have been with Wells Fargo for many many years and have increasing fly become disappointed in the way the treat their long time customers That is what chargebacks are for.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I followed all directives from the bank to update my account information, yet they closed my account without prior notice. This has caused significant inconvenience and disrupted my financial activities. My attempts to resolve the issue with their customer service have been unsuccessful.
Consumer complaint received 2024-08-14
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (NC)

Under FDCPA this company is in violation because I have requested validation of debt and the company fails to respond with proof of debt. Under15 USC 1681s-3 I did not authorize any institution to sell my information.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CT)

They are saying that my credit score is bad and I owe the bank lots of money and that I owe the IRS and they didn't provide me with information to dispute this debt so if there's any way you could help me dispute my debt that will be great because I don't have a job and I need financial help to pay off my debt if I owe any and if I don't then why are they claiming that I owe that and why they didn't provide me with information of how to dispute my debt
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (OH)

I completed a voluntary repossession on XX/XX/year>, due to financial hardship. I spoke to XXXX by phone and confirmed I surrendered my vehicle to a XXXX dealer as they asked. At that time I asked them to cease and desist communication with me. I was told I would be taken off their dialer and would be contacted once the vehicle was sold. XXXX did not oblige. They have continued to call and harass me regarding payment. They continue to ask when I can pay and send info regarding my past due amount. I spoke to someone XXXX and again asked for cease and desist. I again advised that XXXX has the vehicle. The XXXX advised they were not aware but would notate. She stated they were trying to get ahold of the dealer who took the car. XXXX again called me today XXXX, and alleged they did not know I no longer had the vehicle. I reminded her of the cease and desist and she advised well youre past due or something to that effect. She basically ignored the c & d request. XXXX continues to violate XXXX. This is a violation of the law. There are fines for this. I will be consulting an attorney regarding the violations and compensation. They need to stop calling. 

I have included all calls since I returned vehicle. I will download my call log as I am sure there are more
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While I was traveling abroad, Bank of America unexpectedly closed my account without prior notification. This sudden closure caused significant inconvenience as I was unable to access my funds during a critical time. 

Moreover, I had accumulated {$580.00} in rewards, which I intended to redeem. However, Bank of America has refused to honor these rewards in cash value, further compounding the issue.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (TX)

In XX/XX/year> I was layed off and during XXXX XXXXXXXX I reached out to my Mortgage company PHH Mortgage to see if there was any assistance available to help with 2 months of payments ( XXXX and XXXX ) so I wouldnt risk falling behind. They responded that they were there to help and could assist but needed 5 days. 5 days later I called back only to be told they were sorry and would need another 5 days. 5 days later I called back and was told I would need to submit a mortgage asssistance application with all relevant information. I submitted said material and got a confirmation in late XXXX that it was received. I called again to be told they needed 30 days to work with lender. 30 days later I checked back and was told more information was needed which I sent. several days later I was told additional info was needed which was sent. Each time a scheduled " Relationship manager XXXX XXXX '' who was assigned had either no further information or information that was old. By XX/XX/XXXX I was officially 2 payments behind which I have never been before but they had told me not to worry that since this was in the process I wouldn't have issues with foreclosure risk or reporting to credit agencies. I have asked several times to just let me know if they could help " yes '' or " no ''. I got a report on my credit report anyway that I was behind and lost several points. As of today XX/XX/year> I have caught up on my own as they still have no further news or help and I dont want it to get in additional danger. I just want to help others avoid a similar experience. They are very nice but definitely not there to help the homeowner. I have been extremely disappointed overall with this process and complete disregard for their client ( me )
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (MO)

The only communication received from the debt collector was repeated texts that contained no info beyond the debt collector name ( Sunrise ) and a link to a website and a phone number. The phone number did not match any found online for the company so this very much seemed like a scam. ABSOLUTELY NO OTHER METHOD OF CONTACT WAS USED AND NO OTHER INFORMATION WAS GIVEN. We finally called the number we found on XXXX to see if it was legit, they gave us the information. It was a small debt with a company we had leased a modem from claiming we didn't return their equipment ( we did ). We had already contacted said company after they made the initial claim to us and they said it would be resolved. That was the last we heard until these texts. On the phone with the debt collector, we informed them that we would attempt to find our records showing the resolution. We were immediately threatened with our credit being damaged and told we had no time to gather this info and that our only option was to pay immediately. As we attempted to talk with them we were constantly interrupted and talked over especially after being informed that threatening our credit was a violation of the law.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

When paying my Apple Card ( provided by Goldman Sachs via XXXX Bank ), I use the App provided by Apple Card. The App tells you EXACTLY how much needs to be paid by XXXX PM by the last day of the month to avoid interest. On XX/XX/XXXX. 2024 I paid my account balance IN FULL in the amount XXXX, EXACTLY as instructed by the App. Despite paying exactly what the App stated need to be paid, I was charged interest on XX/XX/XXXX. 2024 in the amount of {$70.00}. This is PREDATORY lending and dishonest/misleading information being intentionally provided by the App.
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXXXXXX XXXX has confirmed that there was violation by dealership in my transaction. Please see attached. 

I would like to have the following info 1 ) Copy of loan request with date and time stamp when my loan application was submitted to XXXX XXXX XXXX XXXX XXXX ) Copy of Credit Report/score submitted or details submitted to get credit score and credit score on my loan application.

3 ) Who decides the rate of interest? Is it AHFC or dealer? 

4 ) What was the promotion offered from Honda at that time for this vehicle and was the promotional rate offered to XXXX on this vehicle purchase and if not, why? 

5 ) How many consumers have availed the promotional rate, what is that rate and what was that credit score, please provide a list without naming customers or sharing PII. 

6 ) Why should I not take action against AFHC to revoke its license on wrongdoing?