davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about XX/XX/2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc. 
My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account XXXX XXXX Account : XXXX XXXX Account # XXXX XXXX Account : XXXX Account XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IL)

Hello, I realized that fraudulent activity occurred on my account. Once I realized this, Immediately notified cash app. It took them several days to get back with me. These transactions where unauthorized. There was one that was done that I did not notice it until several days later. one was for {$20.00} and several days later {$2000.00}. Can app took days to respond and did not do anything to stop this. They notified me two weeks later that the investigation was terminated because I initated a charge back
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (GA)

THIS IS NOT A REPEAT OF MY OTHER FILING AGAISNT THIS COMPANY, THIS ARGUES AGAINST ENTIRELY DIFFERENT ASPECTS OF FIRST INVESTORS. PLEASE DO NOT REMOVE OR DELETE THIS!! 

I called First Investors to make a payment on my loan : -I asked them why in the world after I redeemed my vehicle and am only one payment behind are you trying to take my vehicle? I was told " It appears that your account has out been updated and this can take several months. '' I was this very hard to believe since this loan was redeemed almost two months ago and in this age of internet and electronic push button databases. Why the on purpose delay? 

-I was read some biolerplate legaleze statement after I paid my $ XXXX  monthly payment. " Repossession can stil occur, please call us immediately if this occurs. '' Used vehicles in this economoy are held in higher value with inflation. It is my belief that is a veiled attempt to form a constructed repossession, poor customer service, and displays their motive in wanting to act in bad faith to steal my property and delay/stall tactics to push for the auction/sale of the automobile and to find a way out of their loan agreeement with me. 

-They furthermore act in bad faith by not updating my customer web portal account. I was free access to my account so that I dont have to get verbaly berated and abuse by their call center staff. 

-Finally, First Investors has another aspect of cosntructive repossession : They only have four hour phone access to their customer service during a weekday, limited to one time zone. This is to create a burden on the consumer and increase the opportunity for a tow truck third party to steal people 's vehicles and then not give the consumer a decent chance to redeem and cure any late payments.

These deceptive business practices/acting in bad faith needs to change - CFPB need to place sanctions through the Court to bring First Investors into consumer law complaince.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$8400.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 2024-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

So my information was leaked from a hotel and someone opened a Bank of America credit card when I was only XXXX XXXX XXXX. It says on my credit report that I owe {$810.00}. I have no knowledge of this account and this was deleted before when I told them and now it is back on.
Consumer complaint received 2024-01-28
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. (CA)

My information was sold and bought illegally because I was a victim of Equifax data breach I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing helped me delete these illegal accounts for 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 XXXXthanks
Consumer complaint received 2024-05-03
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. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (MI)

i tried opening an bank account with navy federal companies and they told me i had an account with them thats been closed or i owe them but ive never been assoicated with any of there branches or never opened an account with them ( Navy Federal Credit Union )
Consumer complaint received 2024-05-02
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. (GA)

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.

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 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 XXXX XXXX account XXXX Open XXXX closed XXXX Balance XXXX XXXX XXXX XXXX Original creditor Balance Balance updated XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Have duplicate accounts on my credit report, I have no knowledge of this account and XXXX XXXX XXXX of a 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 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I filed a return to my taxes. IRS tells me i am to recieve a refund of {$49000.00}. I forward the account number that i believe was the correct one but it appears that it was not correct. 

The IRS using their bank of XXXX XXXX  sent these funds to BANK OF AMERICA. The routing number attached to these funds is XXXX. In my disscussion with BOA, they say the money never was recieved. I have a letter that is from the ( IRS ) XXXX XXXX  that says the the money was sent to BOA. Of course Bank of America has denied every receiving the funds. 

I'm caught in between, XXXX XXXX  say that they have proof that they send it and BOA denies the money ever being recieved. 

BOA is the company that i believe through their error has the money. As of this date no one from BOA will accept any responsibility fo this error. PLEASE HELP. XXXX
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (PR)

I applied to the XXXX Repayment plan on XX/XX/year> and am still waiting for a response. Mohela has continued to charge me my monthly payment, even though it is my understanding that the loan is placed on an administrative forbearance while the application is still pending. I called on XX/XX/year> and was advised that I needed to contact XXXX as they were processing my Consolidation application. I called XXXX XX/XX/year> and was advised consolidation application was closed because my loans were already consolidated and that I would receive a response within 2 weeks. Today, XX/XX/year>, I call again XXXX and was advised that Mohela is in charge of processing the XXXX application to call them. I again called Mohela on XX/XX/year> and was told the application is still pending, and no new information given. At this point, it has been almost 4 months since my application was submitted and I am still waiting for my payment to be recalculated. I am not able to afford the current payment. Please help.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

In a response from Amex on XX/XX/XXXX, they said they confirmed XXXX XXXXXXXX XXXX XXXX is a part of XXXX XXXX affiliate to XXXX XXXX. The amount of that charge made at the aforementioned property is {$63.00}. 

Then they mentioned that they reviewed other transactions and was unable to locate any other qualified charges that would meet the minimum spend of {$250.00}. This is not true and they need to recheck the fact. 

Either they were reviewing the wrong account or they were doing it wrong. Im listing the other qualified charges below : THE XXXX XXXX XXXX XXXX XXXX FL {$80.00} XX/XX/XXXX XXXX XXXX XXXX AZ {$110.00} on XX/XX/XXXX All the transactions are totaled $ XXXX $ XXXX {$110.00} = {$250.00} which meet the requirement of minimum spend of {$250.00} in one or more purchases. 

Again, the unprofessionalism I referred to is this constant behavior of having conflicting statements by playing catch me games. They should issue that {$100.00} credit instead and keep their promises to their customers.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to formally address a persistent issue regarding inaccurate information on my credit report. Despite my previous notifications, it has come to my attention that the incorrect information is being continuously deleted and re-applied, which is causing significant distress and potential harm to my financial standing. I have brought to your attention the discrepancy in my credit report. Despite this, the incorrect information has not been permanently rectified. This repeated pattern of deletion and reappearance not only reflects poorly on the accuracy of your reporting but also undermines the integrity of my credit history. I request that immediate action be taken to thoroughly investigate and permanently remove the inaccurate information from my credit report. Furthermore, I expect a formal acknowledgment of this notice and a detailed plan outlining steps to prevent similar occurrences in the future. Please be advised that failure to address this matter promptly and effectively may result in further escalation, including legal action to protect my rights as a consumer. I anticipate your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NJ)

Hello, I am enrolled in autopay and my last auto payment on XX/XX/2024 was over the outstanding balance in my loan. I now have a credit {$89.00} in my account. 

On XX/XX/2024 I called to request reimbursement for the over auto payment, but the call representative was unable to complete the request and then mysteriously could no longer hear me in the call and hung up. 

I seek reimbursement for the {$89.00} overpayment and close my account. 

Thank you, XXXX
Consumer complaint received 2024-05-04
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 2024-02-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Paid Purchase Balance in full XX/XX/XXXX. 
Attempted to have interest and fees removed and close account XX/XX/XXXX. Fees were removed. 
Interest and fees reapplied XX/XX/XXXX. 
Attempted to obtain clarification, to have interest and fees removed, and close account XX/XX/XXXX. XXXX, XXXX XXXXComenity Bank representative that fees would be removed and account would be closed. 
Received a bill with an additional {$30.00} late fee applied XX/XX/XXXX.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

Elan Financial has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.