davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-11-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

In XXXX school year I borrowed XXXX. I paid off XXXX. A bank analyst and 2 schools inflated the amount to XXXX up to XXXX debt. Had no promissory notes, so DOE determined NOT collectible, XXXX and then reopened same paid notes and refused to reapply payments. They took payments off original notes and put them onto fraudulent ones that were dismissed. Took up to XXXX of my income XXXX. Put payments on the discharged fraud debt. Refuse to reapply and refund. Case was filed XXXX and is pending in Cir Court XXXX. DOE determined for collector not to collect on debt in dispute. DOE determined anyone whose income is below XXXX to pay XXXX. ECSI is charging me XXXX when my income is only XXXX or so. Prior ID theft caused credit report score to be XXXX. Collector collecting it any way again. Even though collector stated, no sanctions for non payment until XX/XX/XXXX or so, ECSI turned my name and this false debt into credit bureaus, after the same identical debt was in the credit bureau for 10 years before. Got credit score up to XXXX. Because I did not and was allowed to not pay XXXX beginning XX/XX/XXXX, credit score went down to XXXX. Claimed because I did not pay for a debt I do not owe, and that pending fraud charges. See proof
Consumer complaint received 2023-11-26
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: CITIBANK, N.A. (OH)

Home Depot, using Citi Cards as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single Home Depot account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my Home Depot card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe Home Depot/Citi Cards has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2018-05-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (GA)

XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX  balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and XXXX XXXX  deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MO)

In 2023 I noticed that US BANK had reduced my business credit limit from {$6200.00} to {$2500.00} which left my debt to that number being {$150.00} dollars. This was only after I had purchased for my company XXXX ( XXXX round magazines ) for a customer of mine. US BANK then targeted me and my business and failed to look into the fact that I am a XXXX XXXXXXXX  in XXXX. It was blamed on a one-time miss of {$40.00} that I was charged on the account which was due on XXXX. I went into a US BANK on XXXX and asked about what was owed on my card and they told me NOTHING, but then I was assessed a late charge after the holiday Weekend. 

US BANK targeted me and my company because I am registered XXXX  by the US GOVERNMENT, and they opened up a new line of credit which my credit score to take another hard hit and they reduced my account amount. They didn't post it on my documents on their website, but the mailed it through the USPS to me. This is a chicken way of a woke bank that has a serious history of doing these tactics I have found out now.
Consumer complaint received 2023-11-26
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: Army and Air Force Exchange Service (GA)

Hello, Thank you for the quick response. Can you please send me an official letter of deletion so I can send to the credit bureaus and my home loans lender. I am in the process of purchasing a home and this account is ruining my credit worthiness. The lender needs official letter or proof on a company letterhead stating this account will be deleted permanently from XXXX XXXX credit profile. Can you please send me the letter ASAP? 



Thank you for your time
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NY)

I have a credit card with US Bank and noticed fraudulent charges on my credit card and immediately notified the bank. The fraudulent charges were made on XX/XX/23 XXXX XXXX XXXX XXXX XXXX {$95.00} XX/XX/23 XXXX XXXX {$74.00} XX/XX/23 XXXX XXXX {$250.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/23 XXXX XXXX XXXX {$47.00} US Bank notified me and told me charges were valid because the chip card reader was utilized and that there was nothing more they can do and basically I was responsible for the charges. I asked if they can call the companies that the charges were made and was told they don't do that.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that 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 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (VA)

AS of XXXX there is an amount being reported to the credit bureau of XXXX approximately as a loan in which I have not knowledge about. I requested a loan and was not approved. I paid off credit card which was pre paid in full along with the previous balance being a chargeback. his issue baffles me. So i have no idea what NFCU is reporting on my credit bureau. It seems this is against FCRA. Not to mention i never authorize payments. I do not owe ANYTHING to NFCU let alone a loan nor authorize any payments which is against my privacy rights. 

No actions have taken toward reconsiliation on this problem.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-26
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: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Chase Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXXXXXX XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from Chase and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from Chase despite anticipating one due to Chase reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to Chase on XX/XX/XXXX. Chase response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) Chase marked the complaint as duplicate. 

A letter addressed to Chase with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that Chase send Form 1099-c to the address listed in the letter. 

The Chase response letter which is attached to complaint XXXX is included.
Consumer complaint received 2023-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I placed an online order on XX/XX/2023 for the amount of {$110.00} and paid through PayPal. On XX/XX/2023, I received an email from the company that I made the purchase with stating that they were not able to access their PayPal account and therefore could not process the order. They suggested that I attempt to get a refund through PayPal and re-order through a different process. 

I went through the refund process via PayPal 's dispute process and they denied my refund. I attempted the dispute twice and both times it was denied. I need to get my money back. Thank you.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My TransUnion credit score report is an absolute mess. Many negative-factor statements contradict the positive-factor statements, and are also either old or inaccurate. I received an " adverse credit '' disclosure notice from my auto insurance company ( XXXX  ), so I had to check to see what's going on because I know my FICO and VantageXXXX scores are very high and above average. I stay on top of my payments and information and data. The errors are on their end and it's becoming very frustrating to deal with.
Consumer complaint received 2023-07-12
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 called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You ha

ve knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), 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.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (AK)

XX/XX/XXXX I put in an application with WESTLAKE FINANCIAL on XXXX for a XXXX XXXX XXXX XXXX  {$100000.00} XXXX. I was called and told I needed to put % XXXX down which is securities fraud as I traded a security for a money purchase loan yet did not receive funds for the loan pursuant to the EFTA. I as an investor into their company extended credit to them for Security Transfer Agent service and am not receiving benefit and am being discriminated against. Fiduciary duties are being denied per the Trust Indenture Act of 1939. The Securities Act of 1933, Securities Transfer Act of 1934 and the Emergency Banking Relief Act. Under WESTLAKE FINANCIAL 's SEC agreement they agreed too the, Equal Credit Opportunity Act, The Truth In Lending Act and the Electronic Signatures in Global and National Commerce Act. 12 CFR 1002 Regulation B, 16 CFR 433.1, 16 CFR 433.2. 12 USC 412, 15 USC 1691. If my application will not be properly administrated per Law, I will run a Securitization audit on said application and contact FINRA for securities fraud. 
XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I've had a mortgage with Bank of America for thirty years now. i got my monthly mortgage amount for XXXX and it was {$110.00} more a month than the previous month. I called and they said my taxes went up. My taxes only went up {$150.00} for the year. but they are charging me {$1300.00} for the year, saying there was an escrow shortage. They said they would look into it and reevaluate. I got an email back saying the new amount would be {$110.00} more a month or {$1300.00} for the year. This doesn't add up. Can you please look into this issue? 
Thank you
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (AZ)

My social Security number was used fraudulently to open an account that doesn't belong to me at the age XXXX i contacted the company for more information as to how this can be done without my authorization, the company above mentioned can not provide me with any details since the a fraudulent.JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I would like this account deleted from my name credit profile immediately.
Consumer complaint received 2020-08-04
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: CBC Companies, Inc. (TX)

XXXX and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all not mine addresses
Consumer complaint received 2023-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MN)

I was sent a collections letter for a debt that isn't mine. I contacted XXXX directly, but they didn't have any accounts associated with me. I sent ACI a letter ( ACI response letter ) informing them this is not by debt. They returned a letter with purchases I did not make and an email account that is not mine. I contacted XXXX collections again with the information and informed them this is not my account and I have reported the identity theft. ACI has again sent another collections letter trying to collect an increased amount.