davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

THIS ACCOUNT WAS OPEN WITHOUT MY PERMISSION OR CONSENT IM REQUESTING WRITTEN DOCUMENTS STATING THEY HAVE PERMISSION AND SIGNATURE AND CONSENT THAT THIS ACCOUNT WAS OPEN WITH MY CONSENT. REQUESTING TO DELETE/REMOVE PLEASE!! OR {$1000.00} PER ACCOUNT AND INQUIRIES!! 

XXXX XXXX XXXX XXXX OPENED ACCOUNT:XXXX  AMOUNT : {$1800.00} THESE ARE INQUIRIES THAT WAS PULLED WITHOUT MY PERMISSION OR CONSENT PLEASE DELETE/REMOVE OR {$1000.00} PER INQUIRIES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE HELP ME REMOVE THESE FRAUD ACTIVITIES REQUESTING DELETE/REMOVE OR {$1000.00} PER INQUIRIES AND ACCOUNT. THESE ARE THE VIOLATIONS. 

15 USC 1681 Q - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USA 1681 B - A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 

15 USC 1681 S-2 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (NY)

hi, my name is XXXX XXXX and one main financial made an improper credit reporting, saying I had one personal loan and gave me a hard inquiry for that personal loan. When I asked for it to be removed, they removed the had a personal loan, but they didnt remove the hard inquiry, this dont follow our credit laws
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (TX)

I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-09-20
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)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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)

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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I lost my wallet and I noticed charges in many of my credit cards including Discover Credit Card. I called Discover and explained them the situation. They made a claim in my account, gave me provitional credit and then months after they took back the provitional credit they have given me. 
They sent me a new card number and I do not agree with their investigation because I have to replace all my credit cards and ID that was in my wallet. 

Transaction Date - XX/XX/XXXX  XXXX 's beach for XXXX XXXX XXXX  for XXXX XXXX XXXX for XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

So it started on XX/XX/XXXX I deposited a check for my uncle of {$1900.00} on my account and Chase restricted my account, then I tried getting this resolved they told me that my uncle needed to get verify by his phone number so they can release the funds since chase is holding to them. I provided them his phone number and then they say that there system doesnt show his information on that number so I provided them with XXXX other numbers he has and the same response that there system doesnt show his information so I asked the representative on the phone is there another way to get this resolved by like going to the bank and speaking to a bank rep with my uncle and they stated no thats not possible the only way Is to get him verified on the phone. I also told the customer service rep that this wasnt the first check I deposited for my uncle there was another check I deposit for him on XX/XX/XXXX of {$400.00} and I had no problem with that XXXX and now they also are holding the {$1900.00} and adding a {$400.00} so in total chase is holding from my account {$2300.00} Ive been trying almost every day calling Chase representatives and they tell me they still cant get him verified & I also spoke to a chase supervisor representative because they where closing my account he was able to have my account still active but wasnt able to resolve my problem to get the funds available to my account, I also tried going to the bank with the maker of the check and my uncle and they still declined to have the check available to my account. Its been a whole month and i continue to call Chase customer service but nothing is getting resolved.
Consumer complaint received 2023-10-13
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-26
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On or about XX/XX/2018, I purchased on XXXX a wheelchair ramp for {$240.00}. Upon delivery of the item by XXXX, I unpacked and tested the ramp by setting it up on my van and by walking up the ramp into the van. I found that the product lacked quality and fitness for use because at the center hinge point the ramp would give, causing a sense of instability. I called XXXX requesting authorization to return the item for Visa credit, but was told to call a third-party vendor of XXXX located in XXXX, CA. I did so and after explanation received authorization to return the ramp, which I repacked in the original box and sent by XXXX at my expense of about {$30.00}. The ramp was received in XXXX and the merchants did not enter a dispute. On XX/XX/2018, Bank of America posted a credit for {$240.00}. Inexplicably, however, on XX/XX/2018, BofA sent me a letter stating that I still disputed the charge I needed to sign and return the letter within 7 days. No merchant dispute information was sent with the letter. I did not read the letter soon enough and my monthly statement revealed that on XX/XX/2018, BofA reversed the credit. On XX/XX/2018, I faxed a letter to BofA requesting correction of the reversal, but my request was ignored. BofA caused me a forfeiture by setting up a false dispute when the merchants did not respond to my credit request.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (RI)

I had an XXXX  loan in XXXX  by Wellsfargo loan and my interest was really high. I was charged a lot of different fees and ballon payments towards the end of my loan. I believe this is a part of the class action lawsuit.
Consumer complaint received 2024-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NY)

When I was approved to the loan 2 years ago I didn't have good credit and wasn't making a lot of money but the bank still approved me for the loan with a high interest rate knowing that at some point I wouldn't be able to keep up with the payments. Now that I'm out of work I can't afford my monthly payments and my credit score has decrease. I believe the bank did this on purpose so that they can capitalize of the negitive equity as Preditory Lending.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, Capital one bank withdrew my carpayment of XXXX from my savings account. On XX/XX/XXXX another withdraw of XXXX came. I have had autopay XXXX and have never used that autopay feature. I called Capital one and spoke to XXXX agents. They told me they could write a check to me and it would take XXXX days. The XXXX person stated it would be faster to go to the bank. On XX/XX/XXXX I went to XXXX XXXX  and filed a dispute about the charge. The money was returned on XX/XX/XXXX. 

On XX/XX/XXXX, I payed went to pay my car payment and saw that autopay was turned on still and the payment had been withdrawn. I went to make sure autopay feature was turned off. 

On XX/XX/XXXX, I payed my car payment and saw that auto pay was still on after I had ensured it was turned off. I paid the payment on my mobile app. On XX/XX/XXXX, I checked my account and the car payment had been withdrawn 2 times again. both for XXXX. I contacted XXXX XXXX  first to see if it was a mistake and they stated that one was a direct debit and one was an Auto payment. I called Capital one and asked to get the money back and the woman stated that I would have to wait up to 14 days for a check or I could dispute the charge with the bank. This was an unsatisfactory option and I asked to speak to a supervisor. I left a message and was returned a call a few hours later. XXXX was the supervisor and he was kind and understanding. He requested a fax showing that the charge had cleared my account and I faxed it to him the next day. He contacted me again on XX/XX/XXXX and told the that the company would send in an instant refund which would take XXXX hours. 

On XX/XX/XXXX, I had still not seen a return in my account. I contacted Capital one bank and they told me it had been sent and cleared. XXXX was not available but another staff member in the XXXX office told me this. She said she would leave a message with XXXX and that he would contact me. She asked me to speak to the bank and ensure it is not being held for some reason. 

On XX/XX/XXXX, I checked my account and there was still no refund. I recieved a call from Capital one, XXXX, stated that everything looked good on their end and that the money had been refunded. He asked me to call XXXX XXXX  just to see. 
I called XXXX XXXX  and they told me there was nothing they could do. I asked for evidence that the money had not been cleared and that I needed something in an email stating these facts. That will be a whole nother complaint. 

I asked for documentation from both organizations several times specifically through email and both stated they did not do email.
Consumer complaint received 2024-04-17
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)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

Coinbase has placed a buying and selling hold on my account and my digital assets claiming they are waiting for a payment, even though I have digital assets that have been purchased with settled and cleared funds. Coinbase support says that I will still be able to transact with my account while my last ACH payment is on hold, however I am unable to buy, sell, withdraw or transfer any of my assets. 
Coinbase also says I have {$1800.00} in cash/digital assets available that I can buy, sell, or trade. However, the user agreement is misleading and contradictory and Coinbase has locked my assets even though my bank has confirmed my ACH transaction was successful as of XX/XX/24, and Coinbase has the transaction marked as complete in their system as of XX/XX/24, images provided with the files. Coinbases policy says that buy and sell services will be restricted if there is a violation of the user agreement, which in my case has not occurred. 

I have reached out to customer support to try to resolve this issue however they are unable to assist. 

Coinbase Complaint Case Number : XXXX : Customer Support Case Numbers : XXXX and XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-17
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. (AZ)

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 2024-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

I am behind months in payments, this is accurate and I called to pay in full, they refuse they want it wired which I have no time for this. If they took my pay by check it be paid by now! I also had an agreed upon modifications where we pay XXXX for so many months and towards end it goes up to only XXXX tops! They suddenly started charge me an added XXXX a month that is half my whole mortgage payment. When I said we have a modification they told me read small print they can change the agreement at any time! I never heard of such disgusting works! Then when I asked why is our mortgage up by half it's full payment, they said due to lack of equity at the end of the year. So they sent me an equity statement which shows it lacks maybe by barely XXXX for the full year! That is hardly justification for an added XXXX external month! I'm at a loss I feel like they're bullying us! Someone had to stop these people and their wrongful deeds. If you even take XXXX times it by 12 months that is an added XXXX!!!!! My yearly taxes are only XXXX, and they cover only flood ins of about XXXX that is a total of XXXX that isn't XXXX, now mind you that is only adding the added XXXX extra a month they're charging me, it isn't including the already XXXX hundredish payment they take from my mortgage payment from since the beginning. So they're making a huge huge killing. Now that due to COVID we fell behind and as from all I figured you take XXXX which honestly SHOULD be my monthly payment and count months I owe I should only owe XXXX plus an added XXXX for the month of XXXX payment then I'd owe XXXX total, but they want a full XXXX grand! They're counting that XXXX extra a month, and I offered even to pay the XXXX they said they'd settle with for now to stop the process, which I'm telling you they're robbing us! Still I offered to pay it just to keep our home, and they won't even take that unless we wire it. My wife is XXXX, I work to pay these bills, and have no time for childish games! They had taken the payment via my check days ago when I tried to pay online they'd have the money right now, I mean semantics and it's hardly worth throwing my XXXX wife and grandchildren, family to the streets over a lousy refusal to take a dang check! I mean really, which btw I'm paying their robbery of XXXX which adds up to XXXX extra despite knowing it's not accurate. Please, I beg of you handle this bc I read and seen your past responses and how you simply just accept their excuses and lies. I hope this time, especially bc this is serious it's our home we lived fought n paid for on over 26 years! Please that added XXXX is truly wrong. Have you ever seen any bank up anyone 's mortgage by half it's whole monthly amount over equity lack? I beg you to help us right away. For now, I am looking in to finding also an attorney to handle this as well. Thank you