davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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: World Acceptance Corporation (SC)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX I am in Direct violation of the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that Ithe right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Acts.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (LA)

I have made several attempts to reach kickoff but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/2023. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current (CA)

The account was opened fraudulently and I can not get the company to close the account. They have no phone number listed anywhere on the Internet to contact them. Their site says download their app and you can chat with them. Well I dont know the account number to be able to log into the account to chat with them. The company is called XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I was assessed a penalty fee for a late payment in XXXX of XXXX. Citi has not removed the penalty rate as of XXXX XX/XX/XXXX without any further late payments. They are unable to remove the pricing issue.
Consumer complaint received 2023-11-22
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-24
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. (SC)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was a victim of a job scam. I was offered a position of a remote data entry clerk, I went through a XXXX XXXX training and I was sent a check of {$2500.00}. I was told by the scammer that {$460.00} out of the XXXX were for my paid training. The rest would be to fund my equipment. I was told by the scammer to deposit the check and send over {$400.00} that were available that day from the deposited check through a wire transfer. I made the wire transfer through my bank institution Wells Fargo. I have the wire transfer details to the scammer I sent the money to. The check went through that XXXX  when I deposited it. {$400.00} were available from that check. I sent over the {$400.00} through the wire transfer and the XXXX XXXX I got a notification from the bank that the funds were being held due to unusual activity. Since I sent the funds a XXXX XXXX, the transfer was complete and the funds had been withdrawn from my own personal funds that I had saved in my XXXX  account. Thats when I realized that it was XXXX  a scam because I tried reaching out to the scammer and he became unresponsive after that. I wouldve never proceeded with the transfer if the check wouldve been revoked as soon as I made the deposit, but the check went through and the bank made {$400.00} available that XXXX. It is not right that the bank used my personal hard earned money to complete the transfer. I needed that money to pay my rent and now XXXX behind on bills due to this error.
Consumer complaint received 2024-01-27
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: SANTANDER HOLDINGS USA, INC. (IL)

I usually look at my credit report often but I havent recently because I thought my credit score was still in the XXXX range which is fair. I went on my XXXX XXXX and my credit was at a XXXX, I look to see why and I see XXXX hard inquiries and I didnt authorize any of those places to run my credit through so many companys because I know personally that they will affect my credit score. I find this very unpleasant because I personally did not tell any of those places to do such!!
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

When using bill pay in a Wells Fargo checking account, WF displays a statement that checks sent out can be delayed by the post office, but it is my belief that WF takes their time sending out those checks also and may even " forget '' to send some. I have had checks to local contractors take more than two weeks to arrive. In XXXX, I authorized a pair of checks to be created and sent to XXXX XXXX for an expedition payment that totaled $ XXXX. Those checks never arrived - it is my belief that Wells Fargo " forgot '' to send them out so that WF could get the float on the funds already deducted from my account. When I went into a branch to complain and put a stop payment on the checks, they opened an inquiry and a week later informed me that they had done everything right in the check generation - but the stop payments were not processed - so WF got the float for another week.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NM)

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization.

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision.

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-26
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: CITIBANK, N.A. (NV)

MY SHELL CARD WAS STOLEN WHEN I LOST MY WALLET, WHEN I FILED A CLAIM WITH THE FRAUD DEPARTMENT THEY REFUSED MY CLAIM AND THEN CLOSED MY ACCOUNT, I HAVE FTC FRAUD AFFIDAVIT TO BACK UP THE FRAUD THAT OCCURED THESE CHARGES NEED TO BE REMOVED OFF MY ACCOUNT.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

On XX/XX/2024 I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an XXXX XXXX card and another bing discover bank card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I WENT TO XXXX WITH HEALTH ISSUE AND I HAD PURCHASED THE TRAVEL INSURANCE AND UNFORTUNATELY I COULD NOT TRAVEL AS I HAD PLANNED SO MY TRAVEL AGENT FILED THE CLAIM ON MY BEHALF WITH XXXX XXXX XXXX AND THEY PAID {$9900.00}, THE CHECK MADE FROM WELLS FAGO BANK UNDER MY NAME AND TRAVEL AGENT 'S ADDRESS, SO WHEN TRAVEL AGENT RECEIVED THE CHECK HE CASHED IT, AND COMMITTED FRAUD WHEN I FOUND OUT I CALLED THE TRAVEL AGENT HE DID NOT GAVE ME ANY EXPLANATION, SO I CALLED AND WROTE A LETTER TO XXXX XXXX XXXX XXXX AND I DID FRAUD PAPER WORK WITH WELLS FARGO BANK BUT TILL NOW THERE IS NO SOLUTION.. I WOULD LIKE THE INSURANCE COMPANY TO ISSUE ME A NEW CHECK AND WITH MY NAME AND MY ADDRESS AND DEAL WITH TRAVEL AGENT AT THEIR CONVINIENCE. 
THANKS
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MD)

I received a Destiny credit card in the mail around XX/XX/XXXX that I never applied for, I never used it or activated it. A few weeks later around XXXX i received a bill from Destiny for {$170.00} stating XXXX for annual fee and XXXX for credit protection fees with a payment due date for XX/XX/XXXX. I called the number on the bill for questions and I got a recording asking me for my full social security number, I didn't give it and hung up. the company name on the bill is Concora Credit, XXXX, OR. I sent a letter stating I never requested the credit card and to cancel immediately and it was cc XXXX XXXX XXXX, XXXX. I checked on XXXX XXXX and Destiny credit is listed on my page as owing XXXX, I started a dispute on my transunion account on XX/XX/year>. Can you please help me resolve this issue and report this company as a fraud, I saw several posts about them taking other peoples money for various situations as well. thank you
Consumer complaint received 2024-04-24
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. (NY)

Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (NM)

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (GA)

I used to own a XXXX  called XXXX XXXX. I sold the XXXX well over XXXX years ago. 
XXXX soda is coming after me for a debt that I was not responsible for. The debt is around {$1000.00} and was incurred after I sold the XXXX. XXXX claims that I did not complete the paperwork to remove my name. I completed the paperwork and gave it to my representative. I do not have a copy of my paperwork since it was so long ago and they are trying to come after me for something that happened XXXX years ago. 

Their attorney XXXX XXXX pulled my credit without my permission. 

The person that contacted me is XXXX at ( XXXX ) XXXX case number XXXX
Consumer complaint received 2023-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I was selling my condo in XX/XX/2022. The closing statement showed that I owed {$230000.00} with a scheduled close date of XX/XX/2022. We sent {$230000.00} to cover the interest for the first week, plus another week in case of a delay in closing. The title company said this was standard, and I'd receive two checks from my mortgage company after closing : ( 1 ) the remaining escrow balance, and ( 2 ) the overpayment on interest.

The transaction closed on time. Weeks after the closing, I received one check which was a payment of {$3200.00}, representing the balance of my escrow account. I did not ever receive the overpayment of interest, and I owed no other fees and had no outstanding debts. By my estimate, I am owed roughly {$370.00}. 

I have contacted the Mortgage Company, Loancare, repeatedly, asking for a breakdown and explanation. All that Loancare says is that I am not owed any additional payments ( they did subsequently send me a check for {$5.00} after I complained, stating they noticed an error -- this was not a settlement check ). 

LoanCare has stopped responding to my correspondence.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

This complaint is against USAA re : an RV Loan. I made auto bill pay pmts [ {$270.00} - XXXX, XXXX & XX/XX/2023 ] through XXXX Bank, pmts were cashed by USAA, then pmts were re-deposited back into my acct. I was not contacted to let me know of any problem and was not aware of this until end of XX/XX/2023. Also, on XX/XX/2023, I made a telephone transfer of {$1000.00} to my checking acct with USAA, but they applied it to the principal of the loan. I repeatedly tried to call them, but they wouldn't take my calls, because they would try to send me a " secure '' number thru my text, but I repeatedly told them I couldn't receive texts while talking on the phone [ I have a flip phone ]. I am talking about XXXX calls from XXXX thru XX/XX/2023. Now they have started a repossession procedure. XX/XX/2023, I made a pmt. XX/XX/2023 I spoke to a woman who said she would listen to the phone call I made saying how I wanted the {$1000.00} applied and she would send the pmt situation to their legal dept. That was over a month ago and I have received no word as to what is happening. I have not made the XXXX nor the XXXX pmt because I don ; t know what is happening to me and I do not know when I will be homeless. The XXXX pmts are in my savings acct in case I need to catch up, that is if they will allow the # XXXX to go into my checking acct whereby I will be able to make up the back pmts. I want all penalties and extra taken off also.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (NM)

I am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

Thank you for your prompt attention to this matter.