davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention a matter of utmost importance concerning my credit report. After thoroughly reviewing my credit history, I have discovered several discrepancies and inaccuracies that suggest a case of identity theft. I request your immediate assistance in rectifying this situation. I have attached a copy of my identity theft report filed to substantiate my claim. Your prompt attention to this matter is crucial to mitigating the damage caused by this identity theft and restoring my creditworthiness. 

Below are the details of the discrepancies I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed XXXX XXXX XXXX from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have found several accounts listed on my credit report that I did not open or authorize. These include credit cards, loans, and other financial accounts that do not belong to me. 

Assist me in the process of reporting the identity theft to the Federal Trade Commission ( FTC ) and obtaining an identity theft report. I understand that addressing identity theft can be a time-consuming process, but I urge you to act swiftly to rectify these issues and restore the accuracy of my credit report. Your cooperation in this matter is crucial to protecting my financial well-being.
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Sunset Management, Inc (GA)

I did a loan with the company and I signed paperwork but it's on a truck that has already been sold and they know about it. They are miscommunicating what the loan is for. Harassing neighbor 's that I did not put on my contacts. I asked the lady when she arrives about this she gave mixed response. I asked if she contacted my 2 neighbors because they might have loans there she stated yes the one did. I told her how that is not allowed to discuss my business with another client of theirs
Consumer complaint received 2023-12-11
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. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ;
Consumer complaint received 2023-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: V and H Portfolio (FL)

This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NV)

Closed account while I was overseas and now has my funds being held in there account. Never received notification by mail or otherwise of closure. I wish to have time to withdraw my funds and then they can close the account. I have a wire transfer that posted as well as a instant pay for {$590.00} that I cant access.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I received two letters, dated XXXX & XXXX XX/XX/2023, seeking to verify recent activity on my account with First National Bank of Omaha ( XXXX ). 

Subsequently I received an ATM debit card and checks from XXXX. 

I do not have an account with XXXX, nor have I ever opened an account with XXXX.
Consumer complaint received 2023-11-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AR)

XXXX XXXX on behalf of Transworld Systems contacted me at work at my work number. I have never given them or anyone permission or my work phone number to call me at my office. I instructed them to never call me again at this number.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

On Friday, XX/XX/XXXX, I received a letter from MOHELA which read that my loan was being put into an " administrative forbearance. '' I did not request this. I do not want this. My loan is in the SAVE program where I want and need it to stay. The letter reads that if I wish to opt out of the forbearance, I need to contact them. It didn't say how. Replying to the email was not an option. I tried going to the website. Communicating via email was not an option either. I tried calling and was on hold for hours. 

I believe MOHELA did this to increase the amount of repayment by being able to charge more in interest through forbearance. Since I am unable to contact them, I am unable to stop them from making this unwanted change.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither 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.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (UT)

I was recently laid off from MoneyLion. I was told I'd be receiving my final paycheck immediately for the time worked already. 

My funds were deposited into my financial router Sequence XXXX XXXX XXXX XXXX XXXX  account and promptly transferred to my MoneyLion RoarMoney account associated with my email address XXXX. I did not receive any notice that my account has been closed by MoneyLion directly, I found out when Sequence sent a message stating that my account with MoneyLion had become unlinked via XXXX. 

I reviewed my MoneyLion app and my functionality was greyed out. I chatted immediately with support who said that my account had been canceled but they couldn't see a reason for the cancellation of my account nor how I could appeal this closure. They said it may take over 5 BDs for me to receive a response. 

This is absolutely unacceptable. After having been laid off with over XXXX years of work and absolutely no notated performance issues it is a slap in the face to have your account closed and your last paycheck, the money that supposed to get you through your immediate needs after being laid off, be returned and now stuck in banking limbo.
Consumer complaint received 2023-12-11
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. (MI)

XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
Consumer complaint received 2023-12-15
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (ME)

I received a {$200.00} Amex giftcard from a coworker for the holidays. I tried to use it two weeks ago and it was declined and says its for security reasons. I call Amex they say they need to lift the security on it and it will work. We stay on the phone and it doesnt. They say all I can do is request a new card which takes around 2 weeks. The card arrives this week, I try it on the exact same site, same issue. I call and Im told by yet another Amex rep that it will work in 24 hrs. I tell him that just isnt accurate and can he give me an escalation number for today when it doesnt work. He says there isnt one. I call today and wait for 30 minutes for a rep to try multiple times to transfer me to a supervisor after he says he can fix it and cant and then says he doesnt know. I then call back again to get a new rep and request a supervisor and the rep says there arent any supervisors and hes not sure what else can be done.
Consumer complaint received 2024-04-14
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Calvary Portfolio for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2023-12-11
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-12
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: WELLS FARGO & COMPANY (FL)

It has come to my attention that you are reporting my transactions with your company to the consumer reporting agency. Under the EXCLUSION section, it states that a consumers transaction or experiences between the consumer and corporation are not part of your consumer report. 
My transaction history for " XXXX XXXX and WELLS FARGO is EXCLUDED from the consumer report. Delete this transaction history from the consumer report or delete the Late Payment or delete the item Marked as Late from my consumer report. If this item is not deleted, you are violating FCRA laws under 15 USC 1681 2a1. How are you reporting this payment as late when clearly it says Under FCRA law it says under the EXCLUSION that a consumers TRANSACTIONS or EXPERIENCES are NOT INCLUDED in the CONSUMER REPORT? WELLS FARGO XXXX XXXX : {$0.00}.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This complaint serves as my final warning before I take drastic legal action against your bureau and all parties involved. Your continuous refusal to acknowledge my legitimate claims is not only negligent but also a blatant violation of my rights under the law. Let me be unequivocal : if you persist in denying my rightful dispute, I will not hesitate to pursue legal action against your bureau and any other entities involved in this gross negligence. I am prepared to take this matter to court and seek significant damages for the distress and harm caused by your willful noncompliance. Here are the accounts I needed to be removed : XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX. XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-01-26
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 XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-12-11
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-12-11
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' The consumer reporting agencies and I XXXX XXXX ( a living person ) the XXXX. I have the right to make sure my private information is not shared which is on your website backed by 15 USC 6801 states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies do not have my consent to furnish this information, I XXXX XXXX did not give written consent. 
Any and all consent to credit reporting agencies, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Credit reporting agencies are not maintaining reasonable procedures.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (NC)

I received an email from Tesla motors on XX/XX/year> stating : " Get 0.99 % APR financing* when you order any new XXXX XXXX by XX/XX/year>. 
*Available for qualified buyers with term lengths up to XXXX  months. Must order between XX/XX/year> and XX/XX/year>. XXXX rates are subject to credit approval and may change at any time. See XXXX for applicable terms and conditions. '' I applied for a loan today, XX/XX/year>, and found out that the 0.99 % financing is no longer available for 72 month loans. Only 60 months and less. I called the sales department and asked about this. They stated because in the email it says " may change at any time '' that they can no longer offer the 72 month financing at 0.99 % without any notice that this has changed. I placed my order under the assumption the deal was still valid since I was within the required time frame. This is not an issue of being a qualified buyer. I was offered the best interest rate that they are now offering. They explicitly told me that as of XXXX XXXX  today, the offer is no longer valid for XXXX  month loans. I asked to speak with a supervisor or someone at corporate. The denied me the ability to do this. I asked for a refund of my non-refundable order fee and they denied this. 

This is a clear bait and switch by a heavily government subsidized American auto maker.