davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PR)

I send a dispute letter on XX/XX/2022, of this account and still don't have responded to my dispute. The account was open fraudulently I send a copy of my Identity Theft report and they ignore it.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC (PA)

My brother passed away on XXXX XXXX. I am the Executor of his estate which is insolvent. He had a BMW with a loan on it from BMW Finance. He owed less than the car is worth based on XXXX so that was positive. However, my estate lawyer told me I should not pay creditor bills like the BMW loan out of creditor order. His estate only had enough money to pay for his funeral, the estate lawyer and some of his taxes. So I didn't make loan payments to BMW Finance out of the estate. 

On XX/XX/XXXX of XXXX a tow truck showed up at his widow 's home and repossessed the car. I called BMW Finance to see what could be done and they told me not to worry that they will use a local dealer to sell the car at market value and send the estate the proceeds that are badly needed. I was relieved. Now it has been five months and the car has not been sold. BMW Finance said it is sitting at the XXXX XXXX and they have no date set to auction off the car. Meanwhile, I can't pay the bill or resolve his estate and meanwhile the value of the car is declining with age. BMW Finance has been completely unresponsive in terms of their plans and the need to sell this car. Nobody cares. My brother 's widow could use this money to pay their back taxes so I am letting her down as Executor of the estate.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (NC)

My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PR)

I enter in the following webpage : XXXX XXXX XXXX And join to telegram group. 
I bought XXXX XXXX XXXX for unit ( 1280 dollars c/u ) in total 6,400 dollars. I used my shib coins through Crypto.com. After they received 3 transactions closed the conversation. This is fraud. I contact Crypto.com for notify the fraud, but not help me.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc. (TX)

RE : Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XXXX of XXXXXXXX 

Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. 

Any abuse to my credit rating on your part will be met with all recourse available to me. 

I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. 

I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. 

I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. 

I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days NATIONAL CREDIT SYSTEM XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2023-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MD)

I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. 

On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. 

Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. 

This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. 

I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. 

I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (NJ)

There was an XXXX XXXX XXXX credit card opened in my name. That I did not open. It was in the past and there was a balance of over {$5000.00} dollars I didnt k ow about. It went into collections and there was a judgement passed and my assets are being frozen. Tried to dispute it in the past. I do not have any proof because it has been so long many many years. I dont know what else to do to resolve this matter. If theres any way some one can contact me thatll be great and I will be greatly appreciative. Thanks.
Consumer complaint received 2023-12-01
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. (AL)

This complaint is to let you know that I've been reviewing my credit report recently and noticed all these inaccurate information in my account, this is fraud and I want these inaccuracies removed from my credit report imminently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm submitting this complaint by myself and there's no third party involved! Immediate response and action is a must.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

I opened an account at XXXX in early XXXX. I began directing my weekly direct deposits to my account at XXXX, and first one arrived in activity XX/XX/XXXX ( and subsequently, on XX/XX/1920, XXXX ). I directed external transfers to move a substantial amount of my money to another bank ; where I had previously already aligned my various billpays. These employer direct deposits arrive weekly and the external transfers were also setup weekly. Many succeeded, but the transfers were canceled by XXXX ; halted not by my available cash, but by a transfer limit. 

XXXX  has an unreasonably low " transfer limit '' ( {$XXXX.00} ) for new accounts which covers a rolling XXXX period. There is no available option, according to the chat person, to have this addressed. The only available option was to complain. The chat person ( " XXXX XXXX. '' ) indicated they submitted a complaint ( potentially to an internal system ) with reference number XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

I have tried to access my Equifax credit bureau account with my proper user name and password well over a dozen times. The Equifax website gives me a message stating it is unable to grant me access at the time. I have also tried using their account recovery option that is linked underneath the login window, and get the same message. I've called Equifax three times to try having them email me a password reset link. All other financial businesses have this service. The first time I called, I was told by Equifax that they will escalate my request up the tier and someone will get back to me. I've waited a long while but never got called back. The second time I called Equifax they told me my login wasn't working because I must be behind a VPN. I disabled my VPN ( which makes me less secure ) and tried to login again without success. I called a third time and they told me it must be the browser I was using. I could have been using any browser as far as they knew! However, I told them I was using XXXX and they asked me to try multiple other browsers to " make sure '' if that was the issue or not. At this point, it has become clear to me that they do not want consumers to have access to our own account to control out own accounts. This is a security issue, because I need to freeze and unfreeze my account at times. I also need to update the password at least once a year to make things more secure. Why are they making MY OWN credit information less secure? Why are they keeping me from my own information? No other credit bureau does this disservice to consumers. Please, please, please .... can someone investigate Equifax before they have another XXXX XXXXssue or worse!? Thanks!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

Yesterday, I received the emails from this Experian more than 10 of them. These issues needed to be clarified and explained. 

1. XXXX ( A ) had the button which said " Fraud Alert '' at the personal statement. Since I did not see any change on the statement regarding the questionable part " military, '' I clicked it. Therefore, the second email added 7 years extension alert. I was satisfied since I had sent the request of extension already to this Experian with the different address, where the emails indicated to send the necessary documents. However, on the third report, there was a button " Fraud Alert '' again, and the statement returned to the former statement. I pushed again this button ; however, the content of statement did not change at all. I require to explain all these issues. Why and who wrote the statement containing the word " military '' on XX/XX/XXXX of XXXX What is the button " Fraud Alert ''? And why the content of statement changes without consent of me, XXXX XXXX? 

2. XXXX ( B ), which appeared to my network after A, which I contacted first. This one stated my XXXX XXXX XXXXXXXX bank credit card, which I still use, was closed in XXXX of this year and created another section for a card with same number. However, the latter was opened XXXX, even though the original was opened XXXX. And kindly, B listed my payment history. This means not only this XXXX XXXX XXXX card, but all cards payment history, which I have not seen other credit report issued by other two, including office A. Also, this section has following addresses of offices, which I believe Credit Card offices, which dealt with issues. 
XXXX XXXX XXXXXXXX ( all credit cards ) : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX & XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX SD XXXX XXXX : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX Would you explain why this office B include these payment lists in the report, which others, including office A, do not include? 

3. Office B included the soft inquires, which the scanned documents tell, after the alert was issued officially. Above all, office B indicated there were many inquires in one day. Since I still receive the credit cards inquires online, office B might have the responsibility. If not, I request the official explanation. 

I attached the scanned documents.
Consumer complaint received 2022-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For the last 6 months transunion has been raising and lowering my score every week most of time will go up XXXX point then down XXXX to XXXX no reason for this have never missed payment. Also received another credit card and score goes down not up never used card. 
I have xalked then they give me a runaround please help this my score should be over XXXX instead getting closer to XXXX again.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX XXXX XXXX was a predator company who offered several automated services for passive investors. I invested in their trucking automation package. I sent them start up money in the amount of {$35000.00}. The money was sent via wire transfer through Truist Bank to XXXX XXXX XXXX Bank. Truist failed to protect me from this fraud.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Both two students loans have been paid in full {$14000.00}. On XX/XX/year>. 
The creditor XXXX XXXX HAS RECEIVED PAYMENT. THIS ACCOUNT HAS BEEN PAID IN FULL!!! PLEASE UPDATE MY BALANCE AND DELETE INCORRECT INFORMATION FROM MY CREDIT FILE
Consumer complaint received 2023-12-01
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. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hello folks. 
1. I opened an account with HSBC online. XXXX XXXX XXXX XXXX  ) XXXX. Bank asked me to submit Form SSA-89 XXXX XXXX XXXX XXXX  XXXX XXXX. Activated the account and got an ATM card. ( XXXX XXXX XXXX  ) 3. Deposited a check from my old personal at the other bank account to my new HSBC account. XXXX XXXX XXXX XXXX  XXXX 4. On XXXX XXXX I saw that the XXXX has already posted the check. 
5. When I tried to check login to my HSBC account on XXXX XXXX I noticed that the account is suspended XXXX XXXX XXXX XXXX XXXX XXXX Called HSBC, they said I have to wait 6 days before they lift the block on account spent about 45 minutes between a " Fraud '' department and " Customer Service ''. 
6. A significant amount in now stuck in some " clearing process '' and on top of that my account is suspended. I can not use any HSBC banking services ( for example, I can't deposit any cash at an ATM and use the debit card ). Does this make any sense?