davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
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. (NY)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
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: Experian Information Solutions Inc. (TX)

Under section XXXX of the Cares Act, Section XXXX ( a ) ( XXXX ) ( f ) ( I ) States between XXXX XXXX to XXXX XXXX that pursuant to the accommodation of the COVID XXXX Crisis, the furnisher shall ( I ) report the credit obligation or account as current. The payment on the following account showing late as a status are in violation of my consumer rights under the XXXX XXXX. Please update The status of these to reflect current XXXX. ) XXXX XXXX  {$200.00} XX/XX/XXXX and XX/XX/XXXX to current XXXX. ) XXXX XXXX XX/XX/XXXX to current This is also a violation of 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have never received mailed notices XXXX days before the due date of any payments and if you are unable to provide tracking that I was in fact mailed this notice its a violation of my rights
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XX/XX/year> {$24000.00} Before the 3 day cool down buyers remorse I tried to return the vehicle because its not worth the price. After financing the vehicle over XXXX  years it came to XXXX. After thinking about it when i got home i knew i couldnt afford it. When i arrived back at dealer and told them how i felt they said to late you signed the contract. I explained I had been working that day over a XXXX hour shift and was in a tight spot to help my son by giving him my paid off car and me buying a new one. I was stranded at dealer with no way home unless I bought the car that night. I tried to get them to be honest about where the debt came from instead of credit. I didn't get the loan I got a debt. Im fully aware of bankers and there secrets of how they cant lend their own money. Also my signature has infinite value. They refused to be transparent about the secrets of these contracts and definitions of words. 
The National Currency Act, sections 27, 28, & 53 ; says Banks are not allowed to loan their own credit nor are they allowed to loan money 18 USC 1028A - Aggravated Identity Theft Capital Fraud, Intentional Misrepresentation and deceit Consumer Fraud Contract Fraud Securities Fraud18 USC 1028 - Fraudulent use of Identification, Documents and Title 15 USC 1692j - False and Deceptive Forms 16 CFR 444.3 - Unfair or deceptive cosigner practices.

15 USC 1693n - Criminal Liability Violations under TILA, FTC, and FDCPA FRAUD VITIATES ALL CONTRACTS
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These inquiries do not belong to me and are fraud. I have included the identity theft reports as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
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)

XXXX XXXX XXXX XXXX Not my account Affirm XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX adverises that they will have an 18 month interest free payments. If you do no pay off the balance they will add thousands of interest from the previous year. My bill went from owing {$2900.00} to {$4800.00} with paying {$200.00} a month for over a year. They added {$2000.00} in interest payments in one month. Not one of my payments went towards paying the bill down. We will now be paying twice what we orginally signed up for. They will not answer questions on the phone about the situation and will refer you to the bank the credit card its under. They misadvertise and over charge customers. They do not tell you that they will add on several thousands of dollars in PAST interest payments.
Consumer complaint received 2024-01-24
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. (NV)

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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have submitted both written and online disputes to have eqifax remove invalid information from my report. Including things like my name, Address & A host of inquiries that I simply didn't authorize. I have A fraud alert of all of my reports because there has been information listed in my report that simply was not mine. Below are A list of hard inquiries that I DID NOT authorize nor agree to have these companies pull my credit. I am requested they all be removed immediately as it is A violation of FCRA to report inaccurate information on someones report. I would like ALL of these specific hard inquiries removed. I have provided specific dates that they show to be pulled. 

XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) XXXX ( XX/XX/XXXX ) Addionally they have A host of name & Addresses listed that are not mine and has NEVER belonged to me. My Current name Is XXXX XXXX XXXX my former name before marriage was XXXX XXXX XXXX All other names should be completely removed from my credit report. Addionally, They have A host of addresses I have disputed over and over because they don't belong to me and never have.They have refused to remove these inaccurate addresses! My address on my report should be XXXX XXXX XXXX XXXX tx XXXX. I have been at this address for over 15 years and have been at NO OTHER ADDRESS On my credit report! Many of those address I have NEVER had any connection with and can be listed as fraud and any account connected to the addresses should also be disputed as fraud. I should only have ONE address connected to my report and thats the address mentioned above. I should also only show ONE name on my report which again is mentioned above. Again ALL inquiries listed above ARE NOT MINE. Please make these corrects immediately.
Consumer complaint received 2024-06-21
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. (ME)

According to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account volates these laws : 15 USC 16815 : Account # XXXX, XXXX XXXX XXXX, Placed in Collections XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

On XXXX XX/XX/year> I received an email from MOHELA informing me that my account was being transitioned to their new platform and this would take two weeks. I was able to log in online on XX/XX/XXXX, but did not receive notice that the transition was official until XXXX XX/XX/year>. 

During the process of transition, I lost access to all of my old account statements and have no longer been able to access them. When reviewing my account balance and payments in XXXX, it became apparent to me that MOHELA has lost at least {$600.00} of student loan payments. I called them on XXXX XXXX and XXXX XXXX requesting that they look into this and send me a history of all payments made since I am unable to download this off the old site, so I can verify which of the payments I have made was not credited to my account. They have been unable to do this twice despite promising to do within XXXX business days. On XX/XX/XXXX I received an email from MOHELA which supposedly had a link to my financial info, but it is located on their old website so I can not actually log in to access it. It is completely unacceptable that MOHELA has lost at least one of my student loan payments and after almost a month, is unable to provide details of payments they have received from me in the last year.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION (AZ)

I asked to close my account and they said my account had to be at a XXXX balance. They keep charging me overdraft me repeatedly. I don't want to back with them any longer. My account was at XXXX I asked to close my account and stop allowing transactions through that i have already canceled they ignored me and continued to allow transactions through. I explained to them they still won't close the account and charged me {$170.00} overdraft fee. This is ridiculous. I've already transferred my check to a different account and tried to close all accounts linked to this account. I just want to close my account and not deal with them any longer. I am 100 % willing to pay the {$45.00} that is owed my the linked accounts passing through but I don't think it's fair to pay {$200.00} on an account I asked to close! I'm not the only one they're doing this to. I've talked to others.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CA)

Our BMO bank account was hacked 3 times in less than a month. First time for almost {$7900.00}, second time for {$6500.00} and third time for {$3500.00} for a total of {$18000.00}. Trying to get this resolved with Bank of Montreal has been a nightmare. The customer service and communication has been nonexistent ; no returned calls, no follow ups with us to keep us informed about the situation. I can't emphasize the stress that their incompetence and lack of professionalism have caused my husband and myself. We want to know who and how this has happened but BMO is unwilling to disclose any information. The bank keeps saying that BMO is " unable '' to determine the cause of the unauthorized transactions and " unable '' to provide any additional security measures. Twice, we have requested a full report of BMO 's investigation and asked for extra security measures to prevent this from happening again but both times BMO has refused to provide a report or extra protection.
Consumer complaint received 2024-08-16
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

I had a dispute with a merchant closed by American Express recently and I called them today to ask them to reopen it. I explained that I purchased items that were very much not as described ( the material was so thin it was see through, the seams were misaligned, etc ) and according to the merchant 's website that I bought it from, they would provide shipping labels for all quality related issues. The woman from the dispute team I spoke to at American Express told me she couldn't reopen the claim as it went against the merchant 's policies. I asked her what she meant since the merchant 's website clearly stated they would cover shipping for quality issues but when I reached out to them they refused to and wasn't the purpose of American Express to protect their clients in these instances? She just kept repeating that she couldn't go against the merchants policies despite my telling her I HAD the merchant 's return policy open on my computer at that moment and it VERY clearly outlines they DO provide return shipping labels for quality issues. I then asked her if she was going to make the merchant uphold their own return policies and she again stated that she couldn't do anything. At this point, I'm reconsidering why we even have American Express if they're not going to protect us in situations like this. I don't know if the woman I spoke to from the dispute team was indicative of the broader employee base or is a unique anomaly but given that I spend roughly $ XXXX with American Express monthly between the cards I have with them, and have an issue MAYBE once a year, I expect them to handle it when I do. If they can't, I don't need to stay with them.
Consumer complaint received 2024-07-27
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. (NJ)

I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-03
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. (AR)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery Associates LLC. continuously contacts me by mail since the credit bureaus have deleted a fraudulent account from my recent credit reports. They continuously ask for information that i have provided to all parties involved REPEATEDLY. PLEASE SEE ATTACHMENTS. This company purchased a written off fraudulent account in XX/XX/year>, and has been reporting it as an opened AND late account in order to hurt my credit. This company continues to violate my consumer rights! Please cease ALL CONTACT. 
Account-XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This account can not be reported as a charge off on my credit report. You have commented that the account has been written off and i have received a XXXX Form for this account. You are STILL reporting this account MONTHLY as a CHARGE OFF which is also illegally re-aging this account with each consumer reporting agency. According to the IRS and FCRA, Please cease the reporting and delete this account. 
Account - XXXX
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

The company wrongfully closed my account due to the security officer feeling offended by my comment on our recorded call. I do not owe them and was never l in the negative at anytime. I deposited money orders that were good to be cashed into my account. I have the recorded phone call, and money orders that were later cashed after they were sent again by mail, as XXXX never returned them.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (AK)

Saturday XX/XX/year> I checked my email and had an alert from XXXX XXXX. CREDENCE RESOURCE MANA put a fraudulent bill from XXXX XXXX for XXXX on the website. I have an open account with XXXX XXXX now and pay my bill monthly automatically they have all my information. Ive been a customer with XXXX XXXX for over 20 years. I live in XXXX  and this CRM is in XXXX.
Consumer complaint received 2024-07-26
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. (TX)

I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (CA)

I bank with SoFi this was my first time using XXXX with SoFi bank. They say that I violated the terms and conditions. I was unaware that I was not able to receive a deposit for cleaning a home via XXXX. They accept the funds. I tried to go back and take them out and they refused me and put my money on hold. I have a {$2300.00} mortgage also with XXXX children I am XXXX  and I pay cash for my XXXX. All this took place on XX/XX/year> my family and I also pay for food with this money. Im begging for help. I asked to speak with a manager, and they refuse me to speak with a manager. I really do not know what to do next I have called several several times thinking maybe the result will change. They will not even give me a date of when my check will be mailed out since theyre forcing my account close.
Consumer complaint received 2023-11-13
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (DE)

I am writing to formally dispute the fraudulent collections account reported by Diversified Adjustment Account # XXXX that has appeared on my credit report. This account is entirely fraudulent, and I have no knowledge or affiliation with the alleged debt. 

As part of this dispute, I have included a copy of the police report that I filed regarding this fraudulent account, as well as a report from the Federal Trade Commission ( FTC ). These documents provide evidence that I am a victim of identity theft, and this account was opened and reported without my consent or knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws, I am requesting the immediate removal of this fraudulent account from my credit report. This action must be completed by XX/XX/year>, to avoid further legal actions. 

If this account is not removed by the stated date, I will be left with no option but to file a lawsuit against your agency for willful non-compliance with federal law, as well as seek any other remedies available under the law. 

I trust that this matter will be handled with the urgency and attention it requires, and I look forward to your confirmation of the removal of this fraudulent account from my credit report. 

Thank you for your prompt attention to this matter.